Erase your debts and get a fast credit fix? How to separate bankruptcy fact from fiction

Q: My wife and I have faced financial trouble for basically our entire marriage, but it’s only recently that we gained insight into our problems. It started 15 years ago with an expensive mortgage we should have never taken on. We went back to school, took out student loans, and had to sell our condo to keep up with all our payments. We were able to rent, and things were looking up, but we made choices that turned into a lifestyle we financed on credit cards. A failed gig then cost us more