Filing for bankruptcy is intimidating, and one of the biggest fears that most people have going into the process is that the filing will ruin their life for a long time. There are obviously some serious matters that could be detrimental to you in the wake of a bankruptcy filing, but these are relatively short term issues. The long view is what you need to be focused on during bankruptcy. For your financial and personal well-being, a bankruptcy filing can be very helpful years down the line.
Of course, what this means is that in the immediate future, there will be some hurdles you have to clear. Your credit score is going to take a hit -- but that's normal. And, more importantly, it can be healed and corrected over time. With proper financial planning after a bankruptcy, your credit score can come back.
One of the other fears that many people have going into a bankruptcy is that they are one of the few people going through this right now. This isn't right. Plenty of people go through very difficult financial times in their lives, and many of them utilize a Chapter 7 or Chapter 13 bankruptcy filing to achieve a better future. You don't have to feel alone or afraid during this process, and one of the big reasons why is your attorney can help answer any and all questions you may have about bankruptcy.
There is a way forward when debt takes over your life. You can get through this.