What is bankruptcy like?

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13. Filed Chapter 7 last year.

If your assets are exempt, and this varies greatly by state, it can be a painless process. A BK case is handled by a trustee of the BK court. They make their money by liquidating assets. If you don't have any they don't stand to make any commissions from selling your assets and are not likely to spend much time messing with your case.

Anyone considering should use an attorney who practices personal bankruptcies on a regular basis. They are most likely to be familiar with the particular judges and trustees in their district. They will know, based on their experience, what the path to a discharge is going to be like in that particular court.