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I filed for bankruptcy last year, and it was one of the best things I did. I was kind of embarrassed that I'd let things get to that point, but honestly it was the best thing I could do. I'm in Canada so the laws are different, but in my case the whole process only took 9 months, although it stays on my credit report for 7 years.
My advice is to look for a reputable company to handle it.
splitimage
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"I danced in the morning when the world was begun. I danced in the moon and the stars and the sun". From my favourite hymn.
"If you see the wonder in a fairy tale, you can take the future even if you fail." Abba
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