DO consider alternatives to bankruptcy. If you can pay your debts, there may be other things you can do. There are credit consultants and debt consolidators who may be able to help you get through this rough time in your life. If you have the document, the odds are someone else does too. THE DON'Ts DON'T assume that bankruptcy will get rid of all your debts.
Student loans are now nondischargeable except in cases of extreme hardship.
DON'T talk to your creditors directly after you have filed for bankruptcy. Tell them to talk directly to your attorney. If you receive mail from them, forward it to your attorney immediately. DON'T forget to consider saving some of your credit cards. If any of your credit cards have zero balances, you may be able to keep them.