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When you are struggling with credit card and other debt to the point where you truly cannot make your regular monthly payments, the idea of declaring bankruptcy can be very appealing. After all, it looks like 6. declaring bankruptcy gives you the chance to wipe the slate clean and start over. While this can be the basic effect of declaring bankruptcy, if you are eligible for the right kind, you need to look carefully at your situation before making this drastic decision.
Remember, declaring bankruptcy will ruin your credit score, and the impact stays on your credit history for as long as ten years. It can also make it very difficult to get a credit card, loan, new bank account, or even a job. If you should need to buy a car or a house in the near future, you will probably be unable to finance the purchase.
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when to delare bankruptcy
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