Quote Quoting hope27
Can you tell me what changes did congress pass? A friend told me it's harder to file for bankruptcy now...but she didnt remember why and any specifics.
The article on Chapter 7 bankruptcy describes the changes.

Quote Quoting hope27
You know I dont know much about bankruptcy at all...I understand a little bit of chapter 7...but i wonder if thats the best option for me.
Perhaps this article, an introduction to bankruptcy, will help. It explains both Chapter 7 and Chapter 13 bankruptcy.

Quote Quoting hope27
I dont know if I want to call a bankruptcy lawyer or not at this point. I want to be sure that I will go through with it before calling. Anyway, if i filed for chapter 7, how long will that set me back?
You mean, how long will it be on your credit report? Probably ten years.