My sister told me that filing Bankruptcy is the worst thing you can do. I thought that you could never get credit again. I still decided to talk with an attorney since things werent changing and they explained what happens. I was basically worried for nothing. I dont really have anything and I dont make very much money. They told me that my situation is pretty basic and that is what Chapter 7 is for. I got to keep my stuff and I there are no more calls from creditors. Visas collection people are the worst.