Bankruptcy is not a shame. It is your federal rights and you can exercise it without any fear or feeling of discrimination. There are strict penalties provided under the law if someone discriminate against you. But it should be filed cautiously because it is a major surgery on your credit and leaves big scar which are time-consuming to heal. However, what can you do if the credits card companies are chasing you all over and not making any accommodation for you. One can always do a cost benefit analysis and see if his assets are lot lesser and cannot never meet with his rising credit payment obligations. In that case, bankruptcy is a good idea. Of course, we suggest as usual to see and meet a competent attorney because it would involve with almost all the facets of your life. Following is an article only about Nevada.