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Deciding whether or not to declare Chapter 7 bankruptcy can be a complicated decision, involving the careful balance of many factors. For example, even though a Chapter 7 claim can do serious damage to your credit rating and will remain on your credit report for up to 10 years, failing to file for Chapter 7 may result in an even more dire impact on your credit. Why? Because an accumulation of missed payments, penalties, assets forfeiture, and lawsuits can also damage one's credit history, and often, these things can't be as simply explained as bankruptcy. Despite the obvious setbacks, filing for Chapter 7 bankruptcy is sometimes the right move to make, as long as you're aware of the implications and fully understand the procedure involved.
In this book, I'm going to take you through the ins-and-outs of filing for Chapter 7 bankruptcy in an easy-to-understand way. I'm also going to help you to assess whether and when you should file for it, how to do it, and what to expect from the process.