Credit cards can come in handy when you have an emergency. You can even earn points by putting items on your credit card rather than paying for them in cash. But sadly, if you are not careful, you can end up over-spending and charging way too much on your cards. At this point, you might end up in over your head with payments that are too high for you to make every month.
The first step is a big one, but you will soon be ready to face a future free of the stress of past-due bills and the threat of property losses and lawsuits. A chapter 7 bankruptcy filing provides immediate relief, but the bankruptcy code's most recent retooling has added a few extra chores onto your list of things to do. You must now take two different classes to make your bankruptcy happen, so read on learn more.