Do you have large credit card debt? High monthly payments that are just too much? You can stop all credit card payments and walk away from all your credit card debts in a Chapter 7 and begin with a "fresh start".
Accidents happen, but don't let them ruin your life. One of the most expensive costs in life is medical bills. If you are drowning in medical bills and struggling to recovery and make ends meet, Chapter 7 is the best way for you to get back to normal life. You can discharge all your medical bills in a Chapter 7 and continue to receive medical care.
There are many companies offering debt consolidation services on the internet and over the phone. Beware of those companies, they will charge you a large feel and majority of the money you paid will be paid to them for fees and not toward your debts. Make the smart and financially sound choice, consult a licensed professional.