Bankruptcy will stay with you longer than other options, so it should be avoided if you can. Also, it may not solve all your financial problems. It’s not a simple process.
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nFind a credit counselor that has a good reputation. Watch out for the shady quick fix operations. A good one will take the time to fully understand you situation. They should give you several options and be able to fully explain all of them.
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nIt’s a long road to come back from some of the damage we have done to our lives. Part of a long term successful recovery is dealing with the financial mess in a way that puts us on a good path going forward. It can be hard but give you a great sense of accomplishment.
