how does one file for bankruptcy 
bankruptcy is a legal process so it begins when the debtor files a petition with the relevant bankruptcy court this is often achieved through the help of a lawyer specialized in these types of cases the bottom linebankruptcy can provide the financial benefit of wiping out debt you cannot pay and helping you start fresh but there are consequences having a bankruptcy on your credit history can harm your credit score and make it more difficult to get loans in the future before filing for bankruptcy weigh all your options for resolving your debt including a debt consolidation program and renegotiating the terms with your lender consider consulting a professional financial advisor who can review all the options and guide you through how they would work in your specific financial situation 