Uh.. I think you mean filing bankruptcy. And yes, I do know about it. WHY? Yes, it's something tha should be looked into. No, it does not ruin your credit, nor your life. I filed and got credit card apps like two months later. I also bought several cars and was offered a home loan as well..... So, my answer is YES go for it, if it helps.
at 11:08 PM on Nov. 23, 2009