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I'm 25, go to college full time and work part time. I have over 20k in debt. I've talked with a lawyer about bankruptcy and a credit counselor. The bankruptcy lawyer says that if I file bankruptcy that I'll be financially free and I'll be able to build up good credit quickly and get my life on track.

The credit counselor says that he can wipe some debt off my credit and I'll still owe the people, but it won't be on my credit, and then he can help me get good credit going again.

So, which ones right? Or are neither? I want to be out of legal trouble and be able to get good credit at some point. Any help and advice is greatly appreciated.

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