When it came to finances, my early adult years were not marked by an impressive degree of responsibility. Unfortunately, the lure of easy credit was too much for me to resist while I was in college, and I racked up an embarrassing amount of debt. Eventually, it became obvious that I could not dig my way out, and I had to begin exploring the option of filing for bankruptcy protection.
A lingering question I had, however, was whether bankruptcy would clear all of my existing debt or just certain types of outstanding obligations. I had heard that student loans and tax debt would likely not go away, but I needed to find out for certain before moving forward.
Ultimately, I got in touch with a local bankruptcy attorney who had been recommended to me by a friend. This was the best decision I had made in ages, because he was able to explain the process in detail, walk me through my specific scenario and eliminate many of my concerns. Now that I am well on my way to a discharge, I can see a brighter financial future ahead of me, not to mention a great sense of relief.