Although the fact that you filed a bankruptcy is a "public record," they have not put that information in the newspapers here locally for years. Frankly, that would be some voluminous information. We understand that you are not proud of the fact that you had to turn to your debt relief options, but life happens. Death, divorce, loss of job, reduction in income, medical emergencies happen. When they do, you sometimes incur a burdensome amount of debt. Many times, people can actually afford to pay the original debt over time, but the ridiculous interest rates make it impossible to ever get back on your feet.
Many times, individuals who have fallen into a crisis or who simply have insurmountable credit card debt should turn to their options under Chapter 7 or Chapter 13 of the Bankruptcy Code. It helps good people with bad debt get a fresh financial start.