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Should I file bankruptcy?

I used to be on drugs really bad and maxed out Credit Cards that I have never paid. phone Cell companies who owe money, Hospitals, and on the draft rates at two different banks. I have not made any effort to pay, but now my life has straightened with a job but the money is not enough with a wife and three children to try to rebuild my credit and pay more than $ 25,000. If I file for bankruptcy and hope that this will give me a fresh start with the creditors? I am only 28 car, but I live free with family and my wife does not work. I make $ 8.75 an hour and are paid twice a week if this helps ….

Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, with limited exceptions, people who plan to file protection bankruptcy credit counseling must obtain a government-approved organization within 180 days prior to your file. They must also complete an education course the debtor to discharge debts. The U.S. Justice Department Trustee Program approves organizations to provide credit counseling and education debtor. Only the counselors and educators that appear in the U.S. Trust Program lists can advertise that you are actually approved to provide advice necessary and debtor education. By law, the U.S. Programme Trust does not operate in Alabama and North Carolina, in these states, court officials called administrators Bankruptcy approve pre-bankruptcy credit counseling organizations and pre-discharge education course providers debtor. Counseling and education requirements As a general rule, the credit counseling bankruptcy pre-discharge of the debtor and child education can not be delivered at a time. credit counseling should be place before filing for bankruptcy, debtor education must take place after filing. Here is a link sponsored by the FTC to seek a local credit bureau counceling in your area, many will waive fees if you meet the median income test. Govt approved agencies http://www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm credit counseling. Here's another site to see what bankruptcy is, is free legal advice. I hope http://www.moranlaw.net/consider.htm that this answers your question. DISCLAIMER: The advice contained herein is for informational purposes only. Should not be construed as legal advice or legal notice.

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