Bankruptcy is an action of last resort.  This is very detrimental to ones credit report, as it will remain part of the credit report for 7-10 years.  Before taking action to file for bankruptcy educate yourself from multiple sources.  Initially, the internet is a good source for information, however, watch carefully which sites you get your information from.  Consider the source, is it unbiased, is it credible?  And by all means educate yourself on the basics before contacting a lawyer so you can ask educated questions.  This will let them know you won’t let them get away with minimal representation.  Unfortunately lawyers who limit their practice to bankruptcy, primarily Chapter 7 and Chapter 13, can tend to  herd clients through like cattle.  So don’t become “Bankruptcy Cattle“!  Here’s some bankruptcy info from a source I would deem credible, as it is from the US Courts very own website.  These are a series of videos, so what could be easier than that?  Go get your refreshments, (for me that would be Dr. Pepper and popcorn), sit back and listen and get informed on the basics of Bankruptcy.  http://tinyurl.com/qehvr5