there she goes again

What is the difference between debt settlement and bankruptcy? A bankruptcy stays on public records for 20 years - a debt settlement doesn't.

Tell me, how does it work - filing bankruptcy with no money. Also, with Chapter 13, if you really can't afford to finish the repayment plan, there is such a thing as a hardship discharge. A typical Chapter 13 bankruptcy lasts for 3-5 years and if for example you were able to pay for 2 years and had...