Hmmm. Seems ole stiffer has brought up a point worth mentioning for a change. Here it is.

"I am disgusted by the number of the people on that board who have lied and denied their debts, sent validation letters for debts they owed, and then bragged about the increase to their scores."

This has to be the epitome of hypocrisy. This poster makes use of the LAW to "discharge" her debts through bankruptcy, then condemns those that choose another means of avoidance. No, honey, you're no longer a debtor, but get off the ivory tower. It isn't because you PAID your debts. I think this poster more disgusted (or envious?) she didn't make her way to those "boards" BEFORE she filed. There is no one more self-righteous than a debtor who pays, or has their obligations discharged in bankruptcy.

"But, I don't owe money, I am not a deadbeat. They are."

The only difference between you and them is your bankruptcy petition. I'm not a particular proponent of AoC tactics, but this poster's sanctimony really "disgusts" ME...Was she truly any less unjustly enriched than the common barrato on AoC? I think not.

Millions of Americans make this same error in judgment one way or the other. They think that filing bankruptcy somehow enriches them or somehow eliminates their problems. It really don't. All it does is trade one kind of problem for another and usually only temporarily at that.

Creditwrench beats bankruptcy by far because not only is there no debt left there is also no public record left and there very well may be a goodly amount of cash left over to help insure that new problems won't occur in the future and if they do they can also be taken care of in the same manner and without the horrendous expenses and lawyer fees that have to be paid when one files bankruptcy.

Bankruptcy seems like the easy way out but in truth there is no easy way out. You either learn and work for what you get or you pay a very high price for it.

Since creditwrench does exactly the same thing that bankruptcy does and for a lot less money, bankruptcy is a very stupid choice indeed. In fact, about the only thing that is more ignorant than bankruptcy is following the advice of such looney tunes universities as Art of Credit and screwing around with your credit ratings which is about the dumbest thing one can do because although it might clean up your credit it don't stop the debt collector from hounding you to death and filing lawsuits on you.

All it amounts to is an ostrich game of seeing how long you can keep your head buried in the sands of credit repair tricks without getting eaten by the resident jackals.