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This is an interesting poll that made me think. I answered "Not Sure" because the experiences I have had over the last 5 years since BK have been considerable and not all negative.

If you had asked, will I ever put myself into the position of having to declare again?
My answer would be a definitive NO.

If I could go back 10 years with the knowledge I have now, I would try to avoid putting myself into the position of having to declare. I would budget and live below my means, and totally avoid the credit trap. My answer of not sure makes sense because you never know what things can happen out of your control like medical expenses.

Good Question for some good reflection.

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