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In no way should filing a bankrupcty (sp?) be taken likely. It does stay on your report for 10 years and sometimes they'll (credit folks) will forget to take it off and you have to call them and tell them that your 10 years is up.
Filing has helped me indeed, I felt the need to file because as soon as I got out of college I went haywire with credit cards; and I swear to never to do such again. I mean I even tried cosolidation and that worked for maybe 6 months.
But in the mean time I see it as no joke but it was a blessing that I was able to start over.
I tell you there is a truthful change in my credit now compared to then. But some people file just to be thriffling. I know my former boss (white) filed 3 times. I couldn't believe such but she did!
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