One of my New Year resolutions was to get my finances in order. The farther I got into the new year the more impossible it seemed to get my debt under control. I kept trying to think of ways to pay down these bills and lately, all sorts of things have been entering my mind. And of course I have all these questions. Am I eligible to do it? How much will it hurt my credit? Will it make my credit worse? I asked a couple of people and everyone I asked says bankruptcy will hurt you in the long run and you will be worse off than you are now. So I decided to let that idea go. Sure enough, I started see things related to it everyday! While waiting for the bus, I see the billboards everywhere, on the sides of the bus, on the large billboard next the expressways, on the train, and this is just on my way to work! I would see it in ads in the paper during the day, ads on the internet and the ads on the TV once I got home. I guess I didn’t really let the idea go. I tried to do a little research on it but so far all I pull up are more ads.