jonathan dahl. the author of "1001 things they won't tell you." >>> filing for bankruptcy can ruin your credit. filing bankruptcy could be one of the hardest decisions you ever have to make. the gmc 72-hour sale. you only have 72 hours to declare your independence from interest payments for 6 full years, with 0% apr financing for 72 months on all 2009 sierra 1500s and yukon xl's... 0% apr for 72 months going on now... during the gmc 72-hour sale. visit gmcdealer.com! >>> filing for bankruptcy can ruin your credit. it will ruin your credit. it makes it harder to get a loan, insurance coverage, even your potential employer can see if you filed for bankruptcy. >> so you better be careful before you decide to do it. when is it necessary. todd marcus with the counseling service of greater dallas is back with us. when should you do this? this is a really big decision. once was 20 years ago, 30 years ago you decided to file for personal bankruptcy this was admitting failure. now for some people the only wa