Most of the people file bankruptcy as a way to get out of their pay off debt. But still it is not the smartest way to get out of credit card debt, and especially when there are still some convenient options available which can save you from dealing the chapter 7 bankruptcy cases. Which are really hard to handle? A lot of financial advisor suggests that filing of bankruptcy must be in the extreme cases when there is no other option available to get out of credit card debt. The most frequent cause of debt is the financial negligence. The other causes include the less control of customer over the credit card debts. But still these all are not the extreme cases for which you can file a bankruptcy. These all problems can be sorted out by consulting the financial advisors and by the proper management of the debt. So it is recommended not to file a bankruptcy to overcome the debt, but to do proper management of the pay off debt to over come the situation of filing the bankruptcy.