What factors should a person consider before filing bankruptcy?

You should consider how much debt you owe and how long will it take you to pay it off.  Whether the debt is dischargeable or nondischargeable.  Do you have unexempt assets?  Do you qualify for Chapter 7 Bankruptcy or Chapter 13 Bankruptcy?  If you do not qualify for Chapter 7 Bankruptcy but you qualify for Chapter 13 Bankruptcy, is the Chapter 13 Bankruptcy plan payment reasonable or feasible to you.  An experienced Sacramento Bankruptcy Lawyer can help you answer these questions.