Re: Filing for Bankruptcy
Yes if she wants to have any sort of career in any sort of financial, business or management capacity, it wont happen if she has a bankruptcy on file. There are many ways to avoid filing - most credit agencies will accept lesser payments to make them affordable. Will take her longer to pay it off but in the (7 year) long run, it would be much better for her to just tough it out. IMHO.
u mean proposal?... it would have the same effect job wise and will remain in her record for 7yrs or so