....without going into too much detail about my personal life. I'm 23 years old, in debt for over $20-25k. My credit score has plummeted to the very low 500s. I've read about ch 7 bk, sorta like a new leaf but the thing is BK would be in your report for the next 10 years. I'd like to start fresh, I've made some bad decisions in the past, and I 'd like to start getting my financial life in check before it is too late. I have thought of other possiblities like paying off my debt, but even if I pay off my debt, my history report would still show my delinquencies in the past right? It's very hard for me to get approved for anything since my credit is so low. So I started looking into ch 7 BK. But I'm not very sure if it's the right move for me, has anyone ever had a similar situation? Or any suggestions etc?