You can either listen to your ignorant friends, who are wrong, or you can listen to a lawyer. Creditors CANNOT prevent a bankruptcy filing. As to whether the debt is dischargeable, most debts ARE discharged in bankruptcy. A handful are not, and if you feel a debt fits that statute, get a lawyer. Otherwise, when he files, you lose.
Answered on Oct 11th, 2011 at 10:05 AM