This would make it much more of a task
This would make it much more of a task for many consumers to file for chapter 7 bankruptcy. Bankruptcy should only be used as your very last choice after you have explored every conceivable option. Also you should think of the consequences that very well might come back later on down the road. My only way to get out of debt other than going through an agonizing bankruptcy will be to look into a credit card debt settlement program.