My husband and I experienced financial ruin like so many in the last few years. When the economy went into a tailspin, so did our credit scores. We had worked so hard to build up a good reputation and it seemed all was lost in just a few months. After talking to an attorney we decided bankruptcy was best for us. The problem is that, while the bankruptcy might stop credit collectors and offer a fresh start, it does not help with your credit score. In fact the bankruptcy does  more damage to ... Continue Reading