MarkWallace,
You seems like a very intelligent person. BK hurts you if you try to get a "real" job. Any potential employers conduct some kind of background check which include your credit history/score. I worked in the financial services throughout my career, except when I was in the military. I also hold a Series 6, Life Agent license, and Certified Notary in State of California. Each time I had to do a background investigation and finger prints in all. So if you hope to improve your career, having a clean credit history is a plus. Otherwise, no Employer that do any type of background check will HIRE you! Good Luck.
By the way, filing BK on a $15K credit balances is not a whole lot. You could make that up quickly by taking odd jobs. Just my two cents.
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