A Chapter 7 bankruptcy filing can be very beneficial for an in-debt party. Many Seattle residents have gone through bankruptcy; and though the initial stages may be a bit painful and trying, many people who go through bankruptcy enjoy prosperous lives after the filing is complete.
Credit cards are less common for younger people now
There's nothing wrong with having, and using, a credit card. Many people here in Seattle and, really, all across the country are reluctant to apply for one -- and while their fears are far from misguided, if you respect the financial responsibility of having a credit card and make your payments on time, a credit card can be very beneficial. You can develop good credit, making it easier to obtain other loans.
