So, you are overcome with credit card debt. Your income is barely enough to pay your rent, utilities and put food on the table. You have heard that filing for bankruptcy will ruin your financial future. True? Dead wrong!!!! The banks and financial institutions would like you to believe that. That is just not the case. Bankruptcy will not kill your financial future. In fact, it will provide you with a fresh start. In most cases, it will even improve your credit score and most in fact begin to receive credit card offers shortly after the bankruptcy. Let’s face it, it is difficult enough to pay bills without those hefty high interest credit card bills. There is no reason to allow a bank to continue to drain you off your finances. Did you know that if an individual were to give a loan to another person with the same high interest rate that banks charge, that individual could be arrested for violating usury laws (laws that prohibit high interest rate loans) ? So, why can banks do it? Banks are exempt for the most part from such laws. Don’t allow banks to continue to abuse you. Call an experienced Chapter 7 Bankruptcy lawyer today.