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The US system and bankruptcy laws are going to be different than those of the UK laws.
I've worked on this from the collections side of open debt. If someone in the US qualifies and files a Chapter 7 bankruptcy, significantly more debt liability is dissolved compared to a Chapter 13.
In 2005 the US bankruptcy laws changed significantly, making total writeoff of debt in the form of Chapter 7 significantly more difficult, and requiring credit counseling for either forms.
Have you secured an attorney to represent you? Have you had any form of credit counseling? Does filing for bankruptcy have any potential negative impact on your ability to hold a job in your field?
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Calling from deep in the heart, from where the eyes can't see and the ears can't hear, from where the mountain trails end and only love can go... ~~~ Three Rivers Hare Krishna
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