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Should I consider BK with a credit score of EQ 455, a debt of $8000 and an income of $75,000.
Lots of 2006 collections account. CC balance of $2000
If 8K is all you owe, and you are making 75K/year, you would never qualify for a Chapt 7.
The best you could hope for would be a Chapt 13, but you would probably be at 100% payback anyhow....so why bother?
Sorry, not trying to be mean, but just being realistic......
You are right, what is the purpose of filing bankruptcy. I probably will never have a 700 credit score, I will just pay cash for everything.