Let's repeat that.
Bankruptcy does NOT hurt your credit.
Not paying your debts is what hurts your credit.
If you CAN pay all your bills, you should pay them.
If you CANNOT pay all your bills...
....if you are borrowing from Peter to pay Paul,
....living paycheck to paycheck,
....stuck making minimum payments
....and trapped in an endless cycle of debt then your credit is already messed up, maxed out, or dead.
Think about it.
If your credit is already messed up, maxed out, or dead
.... The truth is.... bankruptcy can't hurt it.