Debt can be a very hard thing for many people to have to live with. Living under a mountain of debt can be hard to overcome, and it can hinder you and your family from acquiring some of the better things in life. If you have a ton of debt, it will cause your credit score to sink which will make you ineligible for most types of loans, whether it be a personal loan, a home loan or an auto loan. Credit lending places are not going to take the risk of lending to someone with a history of not paying back their loans. This is where a process such as bankruptcy comes in. Filing for bankruptcy can allow you to start repairing your credit by settling out your old debt. Once your old debts are dealt with, you can begin to repair your damaged credit score. If you are looking to file for bankruptcy, it may be a smart idea for you to contact a chapter 13 lawyer in Lancaster County pa before you file any paperwork.