With few exceptions, any person or business owing money to a creditor can file a bankruptcy petition. Declaring bankruptcy interferes with your future ability to get credit, loans for housing, and rent, and sometimes it shows up on job applications.
In this time of stay at home and quarantine know that you can do all of the necessary steps to file your bankruptcy from the comfort of your home. There is no need to come to the office.
Every month I get around five new clients who are victims of "debt consolidation companies." These companies often say they are Christian-based or try to come off as not for profits.
In a Chapter 7 bankruptcy there are 5 types of debt that are rarely discharged