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Learn how a debt negotiation service is becoming the fastest growing helper to debtors? Bankruptcy should only be made use of as your very last choice after you have considered every other debt relief method. Also you should contemplate the consequences that will come back later down the road. You would have to locate a lawyer, go to court and that could cost you a lot of money. There is also the issue of it being on your FICO history for a long time. When you filling out any significant application or document you will always have to say yes when inquired about your previous bankruptcy, so this does have a very negative long lasting effect on your ability to obtain future credit.