Americans are floundering in debt up to their eyeballs. As if it weren’t hard enough to make ends meet in years past, now add on the mortgage crisis, the banking crisis, massive job losses, etc, and the bills pile higher than the rooftops.
Bankruptcy is an ancient practice allowing the debtor some protection in times of extreme duress. While it can be a financial lifesaver, it is not a panacea. There are several kinds of debts that will remain long after the Chapter 7 or 13 are discharged.
Bankruptcy law is federal, not state. The codes (laws) are nationwide. What is nondischargeable in Maine, will still be nondischargeable in Arizona.
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