You have tried talking with your creditors - you’ve tried (and been denied) a loan- you’ve discussed all of your options with one of our Certified Credit Counselors and there seems to be no other option but bankruptcy.
While we encourage everyone to seek bankruptcy counseling and avoid bankruptcy, there are times when it may be inevitable. At that point, what do you do? Consult a bankruptcy attorney - someone who specializes in bankruptcy. The attorney will guide you through the possible options, and will review your budget and credit situation. Together you can decide if this is your best option.
For Approved Credit Counseling Agencies please visit http://www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm