Credit affected filing bankruptcy
Although a bankruptcy doesn’t look favorably on one’s credit score, the impact can vary depending upon your credit score before filing.
If you are behind on your accounts and your debt-to-asset ratio is large and your credit is already disrupted. If you choose to file, your credit will take somewhat of a drop but not necessary a huge plummet.
If, on the other hand, your credit is favorable prior to filing, then your credit score will be impacted heavier post filing.