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		<title>When to File for Bankruptcy</title>
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		<pubDate>Fri, 30 Apr 2010 14:48:12 +0000</pubDate>
		<dc:creator>Janet Caskey</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[file personal bankruptcy]]></category>
		<category><![CDATA[should i file for bankruptcy]]></category>
		<category><![CDATA[when to file bankruptcy]]></category>
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		<description><![CDATA[Bankruptcy allows individuals in heavy debt, and with no chance of paying it back, the possibility to start over and not let the debt ruin their lives. It is a last resort, and should be used only after you have exhausted all other possible <a href="http://www.credit-help-online.com/blog/how-long-does-it-take-to-repair-credit/">credit repair </a>steps.]]></description>
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