Oh I see, that why I admitted that my post #7 is personal - just speak to myself, but it won't happen in real life.
Oh yes, I remember because many people abused the bankruptcy for years, even people with a lot of income to use the bankrupt to wipe all debts off, even they have ability to pay all of debts. It looks Casey qualify for Chapter 7 because she has little or no income, only negative - it will affect the credit history for 7-10 years and only positive - she will have no debt after discharge completed.
Chapter 13 is better if you have a lot of assets, such as car, house, etc that you don't want to lose it, however it looks no good for credit history.
The bankruptcy is last resort if the debt cannot be resolved or repaid.
