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I guess it's clear from this thread that everyone has had a different experience with bankruptcy. I actually had more damage done to my credit by using a debt managment company than from bankruptcy.
I filed as a last resort about nine months ago. I have obtained two unsecured credit cards for travel needs with no problem.
I lost no personal property in the deal and reaffirmed a debt for my vehicle.
Everyone's situation is different but I will pass on one thing. Run as fast as you can from companies like Ameridebt. Despite their claims they only make problems worse. I should have got on the waiting list for my local Consumer Credit Counseling agency and I may have avoided having to file.
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"Heavily Medicated For Your Safety"
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