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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]You are thinking Op would do chapter 7 but I think chapter 13 is going to be much better if she wants to keep her car, retirement etc. chapter 13 is reorganization of debt and you still end up paying some of the debt including CC. Creditors have gone smart about it and it’s not as easy as it looks. Dealing with lawyers and paying them is another concern. [/quote]

Not to mention, it's debt she incurred and is responsible for...the whole "just declare bankruptcy" advice is insidious and a sign of what a crap nation the US has become. But might as well be like dear leader I guess? Trump is such a shining example of responsibility. [/quote]

Bankruptcy laws have existed for years.  [/quote]
And imo unless it's medical debt, you should still be responsible for it.

The two people who I know who filed bankruptcy were financially irresponsible, didn't live within their means.  They created the mess when they made enough to live comfortably.  They ran up credit card debt for wants and then couldn't pay it off.  And one wouldn't get a job if he didn't like the job.  So yeah. It is not others job to pay for your stupidity.  You take on the debt you have to figure out how to pay it off.  [/quote]

You can have your own moral beliefs about who should declare bankruptcy; that's totally valid.

But bankruptcy is, legally, an option for OP. Your opinion, frankly, doesn't apply to her.[/quote]

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