I need a credit card for business, and I won’t be able to get one. I will not be able to rent a place. I will never have credit again. I could lose my job. It will be on my credit report for 10 years. I will never be able to purchase a home. How will I ever get a loan if I need a car? What if something terrible happens? How will I survive?

In my 21 years of experience as a Bankruptcy Attorney, I have seen debtors get back on their feet quickly after bankruptcy. Check your credit report. Are there late payments, collection firms, liens, or judgments? Would you prefer to have those hang around for years and years or discharge your debt and start a healthy financial beginning?