There was a time in my life when I very nearly filed for bankruptcy. Luckily, though I owed a handful of places several thousand dollars, the total was nowhere near enough to justify my doing so. I dealt with a range of inconveniences due to those companies' - mostly misguided and, in some cases, illegal - attempts to collect on those debts but filing for bankruptcy would not have changed much. If you are considering filing, you should first seek a free consultation bankruptcy lawyers often provide.
A rambling melange of pop-culture.
