So I had some credit card debt and I was paying...
Went back to school and didn't get to get the $40,000 job where I work. Didn't like the idea of owing 20,000+30000=50000. Tried to consolidate but kind of didn't like it either. Went to see a lawyer. The lawyer told me about negotiation where you pay part to the credit card company.
Also told me about bankruptcy. I was up to me to decide. Decided for negotiaton. But had to wait to be late 3 months, not paying. Too some money out from 401K. Bought a car instead. My credit score: 583. Bad ha? So what Am I trying to save? Call lawyerm Made appt. to do the bankruptcy thing. Only want to get rid of the cc's. Want to pay the rest of everything. Just got a  car with money down and high financing and to get a new apt. I had to put a big deposit($1200) + first month rent and pay with money orders. So I'm not even using credit or getting advantage of it. So I have decided to kill it. It's almost dead.

Now What you have to say about credit, bankruptcy and all that &^&*^. Never plan to use a credit card ever again. Not buying a house or a car in the near future. I know I can get a car or apt. in a few years the same way as now.
So it's bankruptcy ok or what?