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Filing bankruptcy is a last resort and is a very serious thing to do. It has a negative impact on your credit and is generally a last resort when there doesn't seem to be any other solution to financial difficulty. Bankruptcy is designed to give you a "fresh start".

After you file bankruptcy, your creditors may not have any further contact with you and may not repossess property without permission of the bankruptcy court. 

For individual consumer debtors there are two different types of bankruptcy: Chapter 7 (Straight Bankruptcy) and Chapter 13 (Reorganization). Please note that bankruptcy is very complicated and each person's situation must be analyzed to determine if he/she should file and which Chapter to file.

Read more about each Chapter below.