What are the Pro’s and Con’s for Filing for Bankruptcy?

I am drowning in credit card debt. I signed up for a debt consolidation program to try and save myself from filing Chapter 7, but this only made things worse. I feel like filing for bankruptcy is my only option. Who has gone through it? How do you feel about it now? Were you embarrassed? When it comes down to it, who suffers? When will I be able to finance something on my own again?

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