If you're considering bankruptcy, make sure you do your research first. Yes, it's awful tempting when the bill collectors are constantly calling, but look for any available alternative for your situation.
I was considering bankruptcy a couple years back, but couldn't even afford to file the paperwork! Then I ran across a website run by Bud Hibbs, who years ago had a radio show in Dallas as a consumer advocate, specializing in bad credit situations. I read his website, and learned that I didn't need to declare bankruptcy!
Anyways, if you're in a situation, and aren't sure to get out of it, check out <a href="http://www.budhibbs.com">BudHibbs.com</a>
Garry
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