Menu

Individual skill

bankruptcy-decision

0upvotes

Think clearly about whether bankruptcy is the right move, or whether another path fits better — without shame and without a sales pitch. Use when asked should I file for bankruptcy, is bankruptcy my best option, alternatives to bankruptcy, or what happens if I file. Produces an honest read on whether your situation is the kind bankruptcy actually helps, the main types and what each does (and doesn't) discharge, the real trade-offs (what you keep, the credit impact and its recovery, what's not dischargeable), the alternatives to weigh first (negotiation, debt management, doing nothing on time-barred debt), and a strong push to consult a bankruptcy attorney. Not legal advice.

skills/bankruptcy-decision/SKILL.md

Read pinned source

Source commit f7c90bc09ee05dc25cf257bdb1826f2c2552c2cb

What was checked

Matches the observed repository HEAD
Yes
Scanner rules are current
Yes
Repository scan complete
No
Skill scan complete
No
Observed behavior
Network or broad shell
Last checked
Nov 9, 2026

These are observations at the recorded commit, not a guarantee of safety. Review the source before running it.

Install this skill

Choose an agent in your Stack or copy a command below. Commands fetch the pinned commit and copy only this skill directory. Existing destinations are refused. Copying a command does not install anything.

An install command is unavailable: current rules, complete repository and skill scans, an eligible behavior level and a permitted license are required.

Repository context

Repository stars (not skill ratings)
1,539
Repository last updated
Nov 9, 2026
License
MIT

Observed agent integration: No specific integration evidence. Standard SKILL.md installation does not imply verified compatibility.

Files and excerpt

File metadata and permitted, redacted excerpts come from the recorded scan. Source links are pinned to that commit.

Browse files
Read excerpt

# Bankruptcy Decision

Bankruptcy is neither a moral failure nor a magic reset — it's a legal tool that fits some situations and not others, buried under shame and predatory "debt relief" ads. This helps you think clearly: whether your situation is the kind it actually helps, what the main types do and don't erase, the honest trade-offs, the alternatives to weigh first, and why a real attorney consult (often free) is the essential next step — so you decide on facts, not fear.

## What This Skill Produces

- **A fit read** — whether your situation (debt type, amount, income, assets) is the kind bankruptcy meaningfully helps, or whether it wouldn't
- **The types, plainly** — the main forms (liquidation vs. reorganization/repayment) and what each does and doesn't discharge
- **The honest trade-offs** — what you typically keep (exemptions), the credit impact and how it recovers over time, and what's usually not dischargeable (many taxes, student loans, child support)
- **The alternatives to weigh first** — negotiation/settlement, a nonprofit debt-management plan, hardship programs, or simply not paying time-barred debt
- **A red-flag warning** — spotting predatory "debt relief"/settlement operations that make things worse
- **A clear next step** — consult a bankruptcy attorney (many offer free consults) and where to find nonprofit credit counseling

## Required Inputs
Back to top