WTB bankruptcy

[rockso]

I destroyed my credit before i was 20. I need a fresh start. Bankruptcy attorneys in my area are telling me $800 for their service. I know i can do it myself for under $100 but i dont know what im doing. Was wondering if anybody here could help me out for a reasonable amount.

[dethdeks]

not insinuating anything by the title but have you thought about going this route?

http://www.dummies.com/how-to/personal-finance/credit-debt/bankruptcy.html

[panda1]

Do you really need to declare bankruptcy or just have bad credit history?

[squall1066]

They say a bankrupsy only remains on file for 5 years (blacklist) But I have friends that cannot gain good credit 20 years down the line because it is still on their file, I would consider working through it, Write to all companies you owe offering a small repayment amount, If they take you to court, They CANNOT REFUSE a payment from you, However small, Provided you can prove It's all you can afford. (easily done by stating debts) I needed to say this, Bankrupsy is not a "go back to start card" It will hold you back for a loooooong time.

[DreDri]

Yeah, I suggest you look into what personal bankruptcy equates to, big picture. I'm guessing you haven't read enough if $800 for help with bankruptcy-level settlement seems exorbitant. That and I saw the term 'fresh start.' For a flat $800 I assume you're just borrowing their letterhead.. and adding $800 to your debt.