Thinking about filing for bankruptcy?

Tips and Deals Forums Consumer Credit Improve Credit Thinking about filing for bankruptcy?

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      Can you guys please explain to me exactly what bankruptcy is? I know that it wipes your debt clean. But is it a bad way to go? Would it be better to set up payment plays with the people whom I owe money? How long does bankruptcy stay on your credit? Is it a bad thing to do in the long run? I owe about $ 2000 total to about 4 different companies. But I only make about $ 500 per month.

      Does anyone have pros and cons? Thank you so much!
      If I file, will I have trouble opening a bank account? What else will I have difficulties with?

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