I am so nervous. I have a lot of debt and I don't want to have to file bk. Especially now that laws have changed it makes it more difficult. I am usually a very responsible perosn and I hate the fact of pushing my financial responsibilities onto other people, but due to some perosnal situations I am not sure I can handle it by myself. What are my other options for getting out of debt? If anyone has suggestions I am open to them. Thank you

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There are so many options to bankruptcy you can't count them, however, because the new bankruptcy law becomes effective October 17, 2005 (http://www.bankruptcyhelponline.org/2005/08/28/effective-date-for-new-bankruptcy-law/) you should at least talk to a bankruptcy lawyer about your options. Most lawyers offer free consults.

That's true. I should talk to a lawyer. Thank you for responding. I guess I wa avoiding the whole lawyer thing, because that would make it a real problem you know? So I read that link you had and I saw that it said that you are required now to you use bankruptcy counseling. I searched a little and I found this http://mybankruptcycounseling.com I found some good info there. I think I might contact them also to see what I can do. I hope I can get out of this as painless as possible.


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