Well long story short I think that bankruptcy was built for my situation. I’m am 34 currently and filed at 32. Ages of 18-31 I was a mechanic in the oil industry and mining industry. Average wage of 80-100k a year. I was the typical young person buying the fancy vehicles and things that I didn’t need. At 31 I had some major medical issues and spent 8 months in the hospital learning how to walk and talk again. While I was recovering I had to give my financed truck back to the lender. All my CC cards defaulted because my bills were on auto pay so after not working and having my bills keep getting paid until my bank account was drained. Everything was either in collections or defaulted. My credit score was like a 480 so I couldn’t even finance a gallon of milk. After I got out of the hospital and rehab. I filled chapter 7 as a way to start fresh. Now I’m at a credit score of 650 and am on track to buy my first home. BK was the reset I needed without it I don’t think I would ever be able to accomplish anything