Although other methods of debt resolution are clearly best in some cases, in my experience, if you can qualify for a Chapter 7 bankruptcy, it is often the best choice. You hear a lot of confusing information about Chapter 7 Bankruptcy today. Many advertisements suggest that it is too hard for you to file a Chapter 7 Bankruptcy now, or that you will lose everything, or that a bankruptcy will ruin your life. That is simply not true. Bankruptcy law is specifically created and designed to allow those that are overwhelmed with debt to get a fresh start instead of spending the rest of their lives trying in vain to catch up. If you qualify, you are LEGALLY ENTITLED to use bankruptcy to solve your problem. The truth is, Chapter 7 Bankruptcy is often quicker, easier, cheaper, and has less negative consequences than the alternatives.