This article is a must read for a religious perspective on debts and bankruptcy.  It covers all religions and gives a great historical background. http://www.nytimes.com/2009/05/02/your-money/mortgages/02money.html

"Discharge" in the bankruptcy sense refers to clearing the debtor's slate of all, or most, past debts. Although many people expect that filing for bankruptcy will wipe out all of their debts, that is not always the case. Bankruptcy only discharges certain debts. The...

Bankruptcy is still available, even though the law was changed some in 2005.  Bankruptcy can generally stop creditor calls, repossessions, lawsuits, wage garnishments and home foreclosures.  Bankruptcy can also help you to protect your property, catch up on house...

Bankruptcy is a time honored practice that affords honest debtors the opportunity for a fresh start.  Everyone filing bankruptcy has experienced financial problems beyond his or her control.  The court, trustees, and your attorney, understand this and if you comply...

Stay Violation – A creditor who posts a sign in the debtor’s community which reads, “[Name of debtor] OWES ME $[dollar amount] WILL YOU PLEASE COME AND PAY ME!” is required to pay the debtor actual and punitive damages for violation of the debtor’s automatic stay. In...

You are required to list that debt and list the co-debtors or co-signers.  You can either continue to pay that debt as you are now or put that debt "inside the plan".  If you have co-debtors or co-signers on any of your loans, and that loan is paid inside your plan,...