If you're considering a balance transfer card, you could be looking for financial fresh start. (finder.com)
In this court administered financial fresh start approach about 70 percent of consumers obtain a total discharge of their debt under a Chapter 7 bankruptcy in a matter of months. (getoutofdebt.org)
By filing for bankruptcy, they get a financial fresh start and the credit counselling sessions can help them work on budgeting and a plan to save for a house. (bankruptcy-kitchener.com)