You're contemplating filing a new bankruptcy because you have a little unsecured credit card debt and you're scared to death of debt collectors. You should know the new government rules were lobbied and paid for by the banks and you will lose pretty much everything you've worked for all your life.
There are so many branches of the federal government that one hand doesn't know what the other one is doing. Consider the search term "Bill Clinton Congressional sex definition" to see how Clinton's impeachment was avoided because Congress couldn't even figure out what sex is!
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You should remember these elected officials must be driven around because they can't drive, some can't swim, tie their shoes and someone needs to be conscious of their safety so they don't look up during a rainstorm and drown! Banking lobbyists tell them how to vote so they don't worry about anything.
What this means essentially is what one Congressional committee does with one law is undone before or after by another committee. The end result is you do not need to declare bankruptcy for credit card or any other unsecured debt.
Back in 1966 the Federal Trade Commission wrote laws on what constitutes fairness in collecting a debt long before the computer age and digital debt came into being. The new bankruptcy law is nothing more than a Congressional conspiracy designed by banks to clean your clock!
Now to get a real feel for what you'll be dealing with on unsecured debts you've got to go a little further back in history a few hundred years and see how things progressed to the present day.
Google "the gig is up - money the Federal Reserve and you" for the most eye-opening history lesson you will ever see. This video was presented at the University of Colorado School of Law by a young constitutional lawyer so get your free "aha moment" now!
If you have truly watched the gig then your life has been forever altered with this new knowledge, bits and pieces of which you already knew that have fallen into place while you watched the video.
You should now be realizing all that unsecured stuff you had so much fear about can be easily swept under the rug or just carried to the trash dump when you challenge whether or not you were actually loaned any money in a court of law and demand legal proof thereof.
Now search "FTC debt video" to see just the tip of the iceberg of things you can do to bounce bankers and their thug collectors off the courthouse walls like ping-pong balls and try not to feel guilty when they run crying to their mama's that you are not playing fair!
If you really want to play ugly and laugh at the new bankruptcy game, just throw in some asset protection, expert legal counsel and someone to talk to the debt collectors on the phone for you and it will be like walking into the old Roman Coliseum to be fed to the lions while sporting your new machine gun!
Now you know you don't need to file a new, old or any kind of bankruptcy because there are just too many fun ways to deal with a little bit of unsecured debt all backed up by your constitutional rights under the rule of law. It's just like sex, Congress doesn't have a clue!
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