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bankruptcy-decision

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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.

plugins/pm-hardship/skills/bankruptcy-decision/SKILL.md

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Nov 9, 2026

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Nov 10, 2026
License
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# 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

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