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IN CONCLUSION

Q. What results from bankruptcy?
A. Fortunately, there are no longer debtors' prisons; but neglecting your bills, getting in
debt over your head, or filing bankruptcy may hurt your credit history for many years.
Federal law protects your right to file for bankruptcy. For example, you cannot be fired
from your job solely because you filed for bankruptcy. However, creditors may deny you
credit in the future. Remember, most unfavorable information in your credit file stays
there for seven years and a bankruptcy stays for ten years. So long as your credit record
has unfavorable information, you may have credit problems. This means that you may
have trouble renting an apartment, getting a loan to buy a car, or a mortgage for a house.
Nonetheless, declaring bankruptcy is sometimes your only reasonable choice.
People who file bankruptcies are usually doing so because of financial difficulties. These
may have resulted from the loss of a job or from a serious illness or accident. Whatever
the reason, you have a legal right to file for bankruptcy. A lawyer or other professional
may have resulted from the loss of a job or from a serious illness or accident. Whatever
the reason, you have a legal right to file for bankruptcy. A lawyer or other professional
who specializes in bankruptcy can help you decide what is best for you.

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