Filing bankruptcy can be incredibly expensive and not do what you think. Most folks think of Chapter 7, which will “wipe the slate clean.” But many kinds of debt can’t be bankrupted and will not go away. If you have a job, you probably won’t qualify for Chapter 7 and will have to do Chapter 13, which is a debt payment plan, plus you’ll have to pay a bankruptcy lawyer. We’ll do the same thing – put together a solid plan to pay off your debt, without the expense and stigma of a bankruptcy on your record. Do you really want to have to check that “Have you ever file for bankruptcy?” box on job applications and other important forms for the rest of your life?