Have you heard of Dave Ramsey? He has his own radio talk show, and does Money Makeover seminars around the country. He always has very sound advice when it comes to money matters and debt. I know he is not a big supporter of filing for bankruptcy, as it will always be a blemish on your record.

As far as the creditors go, they are known for harrassing people when they are no longer current on their debt. They want their money and will threaten to sue; whatever it takes. You can eventually settle with them for less if you can pay the debt in full.

Go to the library and at least get Dave Ramsey's book and read the section on bankruptcies. He will steer you in the right direction.

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