When you file for bankruptcy, the court is a neutral independent; meaning they treat all parties equally. There are no guessing games, and most of the time, there's an answer to all of your questions. When using a private debt consolidation service, it's important to look into the company because many of them receive funding from the credit card industry and are run by private companies trying to make a profit. With a private debt consolidator, there are no guarantees because creditors don't have to deal with them. Get the details in the video.