Just about any financial planner will tell you, that filling bankruptcy should be your last ditch effort in order to relieve yourself of debt. The advantages are that you get rid of a lot of debt. With the exception of student loans and certain taxes, all of your debt is discharged. You no longer have a legal obligation to repay those debts. It gives you a fresh start, so you can continue on with life post-bankruptcy. You can rebuild you credit and, hopefully, rebuild a life.
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