Powers speaks the truth, I was a Banker for 30 years. If you take the bankruptcy route or even CCCS you will pay in the end. Credit is the american way period. If you take the bankruptcy route, eventually YOU WILL NEED SOMETHING IE home, car, new woman (that will make you get things), just life changes in general. THEN----- watch out, you'll gladly pay interest rates indicative of your previous bankruptcy, ie 5-600 basis points more than people that stuck it out & paid their debts in a timely manner. Your bankruptcy atty will tell all kinds of things like what I've just said wrong / why? Because they could care less. They'll take their % for filing & getting your bankrptcy & they're done & your f---. Sooo think seriously before you take the bnkrptcy walk. Much higher rates & being treated like crap for 5 - 6 years with the bankruptcy record showing in your file for 10 years!!!! Is it truly the best way out for you? Only you can answer that. Sorry if I've come across tough, but these are the real facts --