Were i can reported Internet money fraud?
Question:
Were i can put some information about discouraging experience buying something on-line? I do not whant people to do equal misstakes and spend money for nothing.
Answer:
A true internet crime can be reported to the fbi, via their online reporting website: http://www.ic3.gov/ (or lately go to fbi.gov and click on the join in the upper gone "Report Internet Crime").
Otherwise, going to the better business bureau (www.bbb.org) is the right step.
If you never got your money fund, maybe you can dispute it next to your credit card company, and they can investigate for you. Give it a shot (that's why people use credit cards online). Good luck.
Well, eBay help, if you have an details. But a good website to administer your thoughts is www.consumerreports.org
You can alert the better business bureau, and you can contact your credit card company. If a credit card company gets ample complaints about a finicky vendor they will not allow ancestors to use their cards to purchase for them. If you used paypal...alert paypal, they may help you grasp reimbursed. If the site was verified by a company that claimed it be an honest site...definatly let them know. Also, consent to the owner of the company know you were not pleased...you never know what could come up. I am all for alerting everyone and anyone if I spend my money somewhere and am not treated moderately! Go for it.
the Federal Trade Commission is the best place, and they have an online complaint form. Since nearby are a few forms there label sure you get the correct form and permeate it in, and transport.
Most sellers try to prevent a bleak experience with buyers so I'm wondering if you first give them a chance to clear good.
http://www.ftc.gov/ftc/consumer.htm...
Citicards.com where on earth do i progress to breed a return on this site.?
Question:
Answer:
Log in to your description (if you have never used the site in the past, you'll need to sign up). On your justification summary page, there's a link to recompense your account. If it's your first time paying on the site, you'll requirement to give it a couple of days to support your routing and bank article numbers.
I want to buy a visa or master or american express giftcard. How much does respectively card start at? $10?$20?
Question:
Answer:
This is a poor way to pass a gift. While thousands of folks obviously do it, you are doing nil but converting you money into an item with far smaller amount flexibility. There are SEVERAL almost "hidden" fees and fine print regarding usage of the card. There are looking after fees and so on. It's not usually a huge issue if someone is going to use the card right away but because of all the potential ways they nickel and dime you, I would suggest giving someone the arbitrary to actually spend the money you contribute them with a smaller amount restrcitions, despite the fact that dosh or a check seems smaller number thoughtful...tell them you be thinking of them when you made this decision for this grounds
Start here to find where to find a Visa: http://visa.via.infonow.net/locator/gift...
That's Visa's offering card locator.
You can usually buy them in almost any denomination. If at adjectives possible, buy them from the bank you wall with, as most will issue them free of charge to their customers.
Otherwise, it can cost up to $5.00 per card to draw from them. Hardly worthwhile for a $10 card. To me, you'd have to spend at most minuscule $50-100 to justify that brand of fee.
I've never bought an MC or AMEX contribution card, so I don't know what costs or availabilities there might be, but I've done the Visa's a few times.
hello...here is a polite resource I know that features cards with guaranteed approvals
adjectives the best
have a super light of day ^_^
How to buy on row short problems?
Question:
How to protect youself from on-line money frode, buying something on the internet? I got few desperate experienses and i lost money even i colled credit card, the www. dentalplans.com soled me "dental insuranse" charged my credit card for 1 year serveses and that was not insuranse but autograph on the card was CIGNA. I find out that freshly after 2 monthes when i bout it.
Answer:
You need to know exactly what you are agreeing to. If you bought that service and didn't read the fine print, consequently you have to be more sensible.
If on the other hand you are anyone charged for something you didn't buy then the credit card company's fraud department should bring care of it for you.
Use a creditable company to buy from!
Make sure its a in safe hands gateway
There will usually be a padlock symbol to signify a secure website.
Contact your ridge about fraud protection for buying online, i own it!
On an personal ad it said that the average credit evaluation is around 675...so if so...is 675 a "good" evaluation?
Question:
At what range of score does it go from discouraging, to good, to excellent credit?
Answer:
675 is an average, honourable to good mark. anything above 730 is considered Excellent credit. Below 625 becomes party to poor and below 500 is poor.
675 is considered average, but the range of average score supposedly goes from 620-680. So anything within that range would be average. In this daytime an age of credit abuse , I would consider 675 a good-- or at worst fully clad score.
680-730 is fundamentally good.
over 730 is excellent.
550-620 is kinda fruitless.
500-550 is very fruitless.
An under 500 is pitiful.
Below 500 is terribly poor. Below 600 is poor. 600-670 or so is fair, 670-720 is biddable, 720+ is excellent.
Atleast thats how the credit monitoring site I use rates it!
Bankruptcy?
Question:
i have just this minute been imformed that the tsb are gonna try and database for my bankruptcy,if they seize it does that mean al my other debts will be non payable as i would be bust
Answer:
If they make you out of business all your other debts will be included within the bankruptcy as all right. But banks habitually threaten bankruptcy to startle you into paying up, but they will rarely fetch it through unless they know you have assets a house, saloon, good income etc. If they serve you a statutory constraint personally, afterwards they are serious about it. If not, they prob wont do it. If you want to budge bankrupt if may be quicker to folder yourself.
If you are made bankrupt you will stipulation to specify all your debtors and the liquidation will affect all outstanding debt that you enjoy. Depending on the size of the debt you could be released from bankruptcy inside 12 months and start getting your life posterior on track.
But before allowing the liquidation you must seriously consider the consequences. i.e you could lose your home etc. Best of Luck
only you as an individual can record for your bankruptcy. No one or company can directory bankruptcy on your constituent unless you have hired them to do so. If you hold not hired an attorney to file collapse for you then something is fishy.
Yes it would.However try and avoid this.
Type surrounded by bankruptcy into your scour engine and check out the alternatives.
i have be unfortunate ample to have be bankrupt, although i am discharged presently. What i will say is yes adjectives your debts will go into the bankruptsy but depending on what you earn you will still enjoy to pay any disposable income to the heir each month. Don't be below the impression though that going skint is easy, they will want to know the ins and outs of adjectives your finances and you will have no credit rating at adjectives for at least six years. I go bankrupt within 2004 and can still only matter in bread.
hi I understand you are contained by a close to critical situation, I suggest you read about the things you should know formerly taking actions on matter on bankruptcy, I hope this will be adjectives to you too the same passageway that it has be useful to me
be there...
hold a super day
find out more or less something called an IVA, its something volantary arrangement fairly than bankruptcy. they contact adjectives your creditors and work out all your incomings and outgoings and you can enjoy up to 70% of your debt written off. but look into it first. honest luck. if you want more info you can email me at cliverees@yahoo.co.uk.
I have placed this contained by the source box. There is a wealth of information at hand and a great free debt management software program. I bookmarked the site as I return to it normally for the advice it offer. I hope this helps you.
Bankruptcy is the permanent status used when an individual or the company cannot pay their debts. There are a range of reasons why this happen. A company could go cleaned out due to any of these reasons: intensely low profits, mismanagement, ineffective leadership running the society, improper allocation of resources and money, insufficient clients or denial of consumers, no further scope surrounded by the growth in the chain of business.When a company or an organization files for the ruin in the court, the court offer them bankruptcy protection
I would suggest you read the article "New Bankruptcy Law – Where’s The Consumer Protection?" you can scenery it at:
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http://legal-advice-library.info/blog...
http://www.austin-texas-lawyers-attorney...
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http://www.brokerforyou.com/san-diego-re...
if you are over 65 you can homestead your home.
What is American Financial Credit Card?
Question:
these people phone call and want your bank info it is a ligit company but what they dont enlighten you is that you can only purchase from their website this is not a visa or mastercard type credit card and the things they own posted on their web site is route over priced also they debit 200 dollars from your bank and contained by the end if you cancell befor getting the card you may not recieve your money support
Answer:
I have be dealing with this company since November. DON'T GET SUCKED IN! At the time that I signed up for this card I be told that it was a MasterCard, and that I would be required to post a $200.00 deposit, that would be credited to my commentary. Before the actual money was taken from my report I canceled, and received a cancellation #. However the money be taken out of my account anyway. Since afterwards I have be trying to contact, by phone, e-mail and letters, to pick up my money back. However, not a soul has responded contained by regards to this.
If any one have any advise as to how to proceed, it would be most useful. Also, at the time of signing up, I was not told that the $200.00 be non-refundable.
You can get an executive Plus Mastercard at this correlation that I have found. All you own to do is fill out the survey and you will recieve the card. I applied myself on that site and adjectives I had to do be fill out my information, it be quite smooth and I should be getting the card soon. If your interested the link is http://linkachi.com/?0l , its def worth it.
Credit Card never informed me vindication be sold to Collection Agency..?
Question:
I was 60 days unsettled on a card. I resumed payments on the card in the amount of $300 one month and $300 another. They standard the check payment via correspondence.
I called to check the match on the account to convey final payment and notice the payments were never credited. I spoke next to a customer service rep who informed me that the account have been sold and they no longer handle the account. She give me the number to the collection agency who had on the other hand to send me any type of notification since they acquired the debt two months faster. They also had not credited the symmetry.
Can they do this? I contacted my bank and have the money refunded that track until I got this straightened out. but wouldn't you dream up someone would help me out considering Im only just trying to pay it past its sell-by date?
Answer:
Hi, they can do this. They could have done this after you be 30 days late and they probably sent you make out that you hadn't paid. 60 days isn't deferred, it's default. They don't hold to tell you that you are surrounded by collections, you know that you haven't paid. You should own called them when you missed your first donation and tried to work out a smaller payment plan, they would hold talked to you after. But no, the collection agency has your tale and it's true you can only contract with them. I hope the collection agency will be worthy to you since you are trying to pay it sour. Unfortunately it's on your credit report now. Basically adjectives the collection agency wants it change so if you keep chitchat to them, you can work out a deal. Put this at the rear you and call right away subsequent time if you can't pay and work it out near the credit card directly. Good Luck.
You should have notice 1 month after you made the first $300 payment that your report was not man creditted. Now that you have the money pay for, give it to the collection agency and finalize the payments.
You expect someone to arrive at out to you to pay it rotten? Gimme a break! It's your credit. You deal near it proactively and not sit on your butt waiting for someone to get money out of your deadbeat self!
Has anyone ever found that on nearby credit report...?
Question:
They are still linked to parents credit cards when from when they be younger?
I checked my credit history/report today and nearly had a hear attack when I saw 32k surrounded by outstanding debt. But 20k of it is on a card of my parents that I am still linked to from College.
Can this negatlivly effect my credit mark if they see to much debt on it?
Answer:
It can if your parents are a financial risk. In most cases, parents tend to have better credit use next there kids, so infact it may be HELPING you.
Do your parents lift good thoroughness of their credit ? Do they pay that harmonize down alot or always preserve it high. That might determine more if it help you or not
Yes it can. Make sure that the bank is informed of this and your designation is take bad that account near you parents. Do it quickly.
You're feasible only an authorized user on that vindication, which means you can spend on it, but hold no legal liability for the debt.
If that's the luggage, you can ask the credit card company to remove you as an authorized user. That should stop the reporting.
Otherwise, you'd have to dispute it near the credit bureaus directly.
Owing $20K on a card isn't necessarily bad, but it depends on the credit boundary on the card. Few cards offer borders much in excess of $20K though, so assuming that card is close or is maxed out against it's time limit, it could be a serious negative.
At equal time, the account might be really dated, raising the average age of your accounts, and be helping too. Having a life-size credit limit can be suitable, if it's not maxed out, so you've got dutiful and bad against respectively other here. But if the card is over 50% of it's limit, which I'm pretty reliable it would be, you'll probably be better off getting it rotten your report.
Can you bring back credit cards next to a credit gain of 650?
Question:
I just checked my credit gain and it has gone up from 570 to 650 surrounded by two years. What could I expect if I applied for a credit card or tried to refinancing my home with a 650 credit win?
Answer:
Technically 650 is border line event to good, You will be capable of get a credit card no issue what kind of win you have. You are ably on your way to have good credit. Keep it up.
Amazingly satisfactory, you can get high-interest credit cards next to a terrible credit ranking of below 500. A credit score of 650 is truly a pretty good evaluation!
You should be able to.
Yes
You should know how to qualify for a card with a fully clad APR of 10% to 15%.
You would pay around 1/2% more on a home loan than those with the best credit would.
650 is a suitable score (average) you should be fine. My rack up is 688 I don't have problems getting credit cards
you can receive a credit card with no evaluation just as slickly as one with a bleak score and this would not apply to you. as far as doing a refi a 650 win with a low to milieu loan to value (how much your house is worth compared to how much loan you have) and a pious debt to income ratio with FULL documentation would stop you prime rates... however if any of the three things need to be ammended or are not strong consequently your rates will be anywhere from prime +1 to +3 if you did not document your income at all.. hope i didn't verbs you to much.. feel free to email me if you want clarification or more specific info
I have a very poor credit mark and was not deprived of getting a credit card, get one via NHBS, Inc, they have better cc programs, might as in good health check with them
whogavemecredit.com
this site will transmit you whitch credit cards will approve you with what score
650 is good, you can grasp a credit card, with wearing clothes apr/
------------------------------...
http://www.bestcreditrates.net
You hold a pretty good gain, i think you can go and get it and maybe you can try below website to return with the information. It's about low interest credit card articles from the expert
Where do I start when getting auto financing??
Question:
I am going to school this summer, but own plenty of time to work afternoons, nights, and weekends..and the entire second partly of the summer. I would reallly like to buy a unmistaken car this summer, at around $12,000.00. However, I am JUST applying for a credit card and believe I may not hold enough credit but. How can I go just about getting prequalified for a car loan? I do some of my own work already, but I can not claim it because it is fiberglass fabrcation and I do not own a registered business..just for some citizens with one and the same interests as me. I make over a distinguished each month next to this. I am going to be working at UNO Chicago Grill or a local sports bar, and am currently employed at GRCC tutoring between classes.
So assuming I'll be capable of make the payments, what steps should I steal to have a shot of getting this loan, and preferably in need a cosigner(if possible)
Answer:
I was competent to get a loan for matching amount when I was 19, working hurriedly food. I had no credit cards at the time. My dad co-signed, but it be only to lower the interest rate. I could hold gotten the loan on my own. I'd say beside two jobs and no BAD credit, you should be fine for that amount.
travel to a credit union. you will own a better chance of getting the loan
You may qualify for a first time buyers program, but your length of time on the situation might give you trouble.
Ask your parents or friends for the cross of a car salesman who can offer you advice minus running your credit history.
(By that I mean putting your social through the system.)
I would try your local credit coalition or your own bank. Any gross monthly income below $1,800.00 (prove-able) will be a problem.
If you are a first time buyer the bank that have that type of programs will not approve you for a $12,000.00 loan because your pay-out will exceed their maximum amount of $250.00 for 60-months.
If your credit union is no support see if you can get one of your parents to co-sign simply to get your credit established.
Go to your dune (or one you'd like to do business with) and parley to the loan officer. They'll gladly run your credit, look at your income, and consent to you know how much you'd qualify for to get a coup¨¦.
Paying stale business debt?
Question:
I have a small business surrounded by its second year of operation.
The good report: We're profitable now.
The desperate: We were undercapitalized and made some mistakes within the beginning. We've racked up some $40,000 within debt, to a variety of suppliers and even $10K to the tenant. Everyone has be patient thus far, but time is running out.
We are profitable, but after payroll we lone clear about $1000 - $2000 per month contained by profit.
My question is how do other businesses buy and sell with problems similar to this? I'd love to consolidate these debts somehow, but my credit is largely shot due to the whole undercapitalization entry. What do I do?
My business is grossing $250,000 per year, I don't want it to go underneath.
Answer:
Your question is complete with unknown facts. First, and most importantly, you should be capable of pull out of your mess if your creditors verbs to help or if a guard or someone bails you out. The problem is that most financing providers don't want to wait 20 to 30 years to collect the principal of their loan. Worse, they don't even similar to to finance existing debt, they would fairly finance contemporary equipment or something else tangible. If you don't hold one already, create a business plan. You will want to create a crystal ball for you and others to see your adjectives. You'll need a flexible budget (with different business level, one where you're at today, one where on earth you'd be if your business dropped by 20%, and one if your business were to increase by 20%.) You'll also inevitability a current and accurate set of financial statements - balance sheet, income statement, and change flow statement. Contact your bank, one of their competitors, and the Small Business Administration and ask them if you might qualify for a long residence note to kind your operations more gooey. Your best alternative would be to get a loan.
I'm assuming that you're taking money out surrounded by some manner for yourself contained by the form of draws or salary? If possible, find a route to reduce that amount until you've repaid your creditors. If you are truly interested surrounded by saving your business, you will inevitability to toughen up. Just because you have a business doesn't be going to that you are entitled to spend your creditors money on yourself. Where else can you cut costs? Did you get competitive quotes on insurance? Are within better prices for your supplies and inventory? Can you pare down on your help? You aren't too far from pulling this bad, but you'll need every cent you can come up next to for a while until everyone is paid.
Consider totalling a partner to your business. You'll have to share the profits, but if you pick up the right person(s) your profit could be increased by more than you're accumulation in cost. Contact some local cpa's and ask if they know anyone interested within a business venture resembling yours.
Your creditors have be patient. Trust me, they will predictable continue to be. One point everyone likes is honesty. Try to come up near a plan to make everyone optimistic. Call your creditors and let them know what's up. Tell them that you're feeling like and able to salary them, but it's going to take a while and it's going to lug their continued patience. The finishing thing they want to do is to let somebody know you to jump contained by the lake. A dollar tomorrow is worth infinitely more than the prospect of getting nought today.
Finally, you can file for one of the ruin options. It sounds to me similar to you are a good competitor for chapter 11 (reorganization.) The bad things are that your credit will be worse and a sizeable part of the money available will budge to the lawyers instead of to your creditors or to you. The biddable thing is that you will be capable of legally shrink your debts and earnings a very supportable payment until your creditors are re-paid. You can probably catch away with paying $200 a month or so.
Try getting a loan on Prosper.com. Under-capitalization is the biggest create of business failing.
Good Luck
I would go to a local credit league and try to apply for a line of credit. Be sure to own all current stability sheet and profit and loss statements to show that your financial situation is profitable. They are much more forgiving than a bank. Whatever you do dont dance to the business loan sharks. My former employer did this when he was desperate to cover his clean construction debt and ended up losing his business of 15 years. If anyone think you are vulnerable they will lug advantage of you. Also contact the Small Business Administration, they are a great source of information. If adjectives else fails contact any attorney that specializes within business debt.reorganization may be a difficult option but better than total loss.
Consolidating debt is an wonderful way to drain your amount and tenure of debt. You make a single costs to one lender on a certain date and this will relief you clear off the debts faster. But the certainty remains that debt consolidation is not easy adjectives the times. If you owe a lot of money, obtain a consolidation loan at the lower rate of interest can be difficult. Choosing a high interest loan can increase your debt.The primary aim to consolidate debt should be to diminish your total costs.
How much more can I lift my credit gain?
Question:
I am 23 and I have a 732 credit ranking. I have more or less 1,000 worth of debt on two credit cards: 750 on a card with a 7,000 control, and 250 on a card with a 2,500 control. I also have a Stafford student loan near around 7,100 on it after a half a year of payments. I closed for a while college credit card with a 500 credit contain and a zero set off on it a month ago and my credit dropped by ten points.
What else can I do to raise my credit evaluation?
Answer:
Well there's nothing indisputable quick you can do to tilt your credit limit, but I hold a few pointers I can give you.
As pointed out by previous answerers, closing a credit card will most credible hurt your score, because of two things. First, the scoring companies look at how much you owe relative to how much credit you enjoy available on your credit cards. The closer you are to maxing-out your cards, the lower you'll score surrounded by this area. And that accounts for 30% of your win.
Additionally, how long you've handled credit accounts for 15 percent of your chalk up. When you close an account, the credit scoring companies lose the wherewithal to see just how long you've be managing credit.
Now there are two other areas that you can look into to angle your score. I won't shift into paying everything on time. If you own that score, that process you got that down pat. Mix of credit accounts for 10% of your gain, since it shows that you can handle different types of credit. And pursuit of unusual credit accounts for 10% of your score.
Regarding that concluding issue, moderation is key. And it's apposite to point out that when shopping around for a loan (which is the right thing to do), adjectives your inquiries within a rational time frame (15-30 days) are counted as one.
So there you own it. If you want a detailed look at the credit scoring system, visit http://financialbasics.blogspot.com/2006...
Good luck
Funny as it may nouns, closing a credit card can have an adverse effect on your credit mark. Part of your score is calculated by taking the outstanding match compared to the limits. By closing the little card, you made the issue go down. You can do remarkably little to improve your credit chalk up quickly. It will mostly pilfer time. Continue making payments on time, and lower the balance on the cards. This will show a solid history and will reduce the go together compared to credit limit. Applying for lots of other cards is a unpromising idea. Although it will increase your borders, it will also show that you are actively looking for credit. Each time someone inquires about your credit, it get noted and too many inquiries also have an adverse effect. At 23 with a credit ranking of 732, you are doing quite powerfully. Keep up the good work.
I am not a credit specialist, but I enjoy heard that when you quash a credit card, your score will drop a bit. Also, you should be using no more than 35% of your available credit. As you contine paying your payments on time, and decreasing your student loans, your win should improve. Also, if you kind big purchases and pay them sour, your credit score will increase.
Can anyone lend a hand me find a loan company simlar to provident and shopacheck? ive already get loans next to them.?
Question:
i cant apply to naylors as im too old according to them. (im 23!)
Answer:
Get yourself a opening and pay past its sell-by date your debts instead of getting into more!!
at this rate you'll be bankrupt by the time your 24!
greenwoods
hold on to in mind, you virtually cannot stress bankruptcy any more.
what they'll do is trimmings your wages, so they get first dibs on your paycheck.
yes, they can do that.
and believe me, they will.
Don't you presume you've taken out enough loans. You can't borrow your path out of debt.
Sort yourself out.
This site might have some accommodating loan information and links to different companies that provide personal loans. Good luck! http://loan.divinfo.com/
I am Mr Peterson Chris.I am a legitimate loan lender who give out loans at low interest rate of 3%.Are you finacially down?Do you want to pay your bills?Is your credit chalk up low?If yes,then you are contained by need of a loan.I settlement with simply honest people who are really contained by need of this loan.If interested contact me today next to the loan of loan you need so that my loan language and condition will be forwarded to you.You are to mail me or contact me through these email address
consultingpeters@myway.com
consultingpeters@consultant.co...
consultingpeters@yahoo.com
You have ample loans from commercial organisations as it is. Find out about your local credit association ( ask the council or the Citizens advice bureau for info.)
The two organisations you mention charge extraordinarily high interest rates.
iv bin in attendance dun that it aint worth the hassle of paying people at your door every week u fall up hiding cos u cant afford 2 pay so plentiful people and u catch confused with so masses books on the go.
this consulting peters loan company is a scam. he tried to ask me for money upfront on a loan i tried to obtain. when i told him it was against the regulation to ask for money upfront for a loan, i told him hes a scammer and he never contacted me again. do not get money from this individual.
greenwoods and/or
mutual
try "blackheathloans",
or "welcomefinance"
interest rates are high but not as giant as provident
if you need a rushed short term loan try "poundstillpayday"
particularly easy for subsequent day loan if you are working
adjectives you need to do is fax a payslip
but once again particularly high interest rate
flawless luck in what ur after
but be sensible and try to draw from your credit rating sorted
it takes some time, by paying your creditors on the dot
if you mess up with the lower finishing companies you got no karma with the high-ranking street names
Debt resourcefully ive have satisfactory. someone please lend a hand.?
Question:
BAD EXPERIANCE WITH A HOUSE ,GOT REPOSSED LAST YEAR,76,000 IN DEBT.BEEN THROUGH CIT ADVICE,AND DEBT LINE AND BOTH SAID WE NEED TO GO BANCRUPT. BUT YOU HAVE GOT TO PAY 1,000 TO DO IT.CAN ANYONE GIVE ME ADVICE I CAN WORK WITH ,BECAUSE I FEEL LIKE GIVING UP
Answer:
I have placed this within the source box. There is a wealth of information near and a great free debt management software program. I bookmarked the site as I return to it normally for the advice it offer. I hope this helps you.
Just keep hold of paying it down the best you can. Eventually, with regular ONTIME payments of your debts you credit rack up is going to go up which will sympathetic more doors for you.
I had 30k surrounded by credit card debts a few years back and that seem like adjectives the money in the world. However since next I have manage to raise my income and repay that down to around 12k which is much more in control for me.
It lately takes time. If you record for bankrpucy now you will be within screwed for 7 years
You have to weigh your option. If a credit counselor has told you that your best preference is Bankruptcy, than it probably is. That will wipe out adjectives of your debt and you will be able to start fresh. However... the ruin will be on your credit report for 7 years. You will probably not be able to buy a house during that time extent. You will probably get credit card offer however. Once you declare you can not emphasize again for 7 years I believe. so you would be more tied to any debt you incur. If you are under a mountain of debt that you can't climb out of, collapse is your best bet... just sort sure that you don't make equal mistakes again or you will wind up hindmost where you started.
If you enjoy already gone to credit counsling and they suggested Bankruptcy, then explicitly probably your best course of action.
Most Lawyers will provide you a free consulation, run to several and find out which one seems most inclined to work with you. Talk to them and see which ones are likely to take payments and work next to you. Also, since you will be declaring ruin you can stop paying on any bills that will be covered under it to oblige to pay the laywer.