The bankruptcy will remain on your credit report for many years, but the net effect of bankruptcy on credit scores is typically positive. That's because, while bankruptcy takes a bite out of your credit score, as does growing debt. Bankruptcy may help you get relief from your debt, but it's important to understand that declaring bankruptcy has a serious, long-term effect on your credit. Bankruptcy will remain on your credit report for years, affecting your ability to open credit card . A bankruptcy discharge is a court order releasing you from liability for many types of debts. If, however, you are found to have committed certain kinds of improper conduct described in the Bankruptcy Code, your discharge may be denied by the court and the purpose for which you filed the bankruptcy .
Related videosMass Effect 2: Final Mission: Everyone Survives
There are credit cards designed for people with bad credit, but these come with extremely high interest rates and annual fees and rarely have rewards programs or sign-up bonuses as many other credit cards do.
Auto loans can be obtained after bankruptcy, but you'll pay for it. There are ways to accelerate credit repair post-bankruptcy, such as by obtaining a secured credit card and by paying your bills as agreed, but even in a best-case scenario, you'll feel the sting of a bankruptcy for years to come.
Dan Caplinger : Many people mistakenly assume that any debt they have outstanding automatically goes away in a bankruptcy proceeding. However, there are certain types of debts that are considered to be non-dischargeable, meaning that they survive a bankruptcy filing and that you still have to pay them off even after your bankruptcy case is closed.
For instance, debts for spousal or child support or alimony are generally non-dischargeable, as are attorney fees in child custody and support cases. If you owe money to a former spouse or to a child that arose from a divorce or separation, then the bankruptcy proceeding often won't discharge those debts.
Amounts owed to government agencies for various fines and penalties usually can't be discharged. Most notably for many younger debtors, student loans typically are non-dischargeable, with only limited exceptions. In addition, if you fail to list any debt on the schedule of outstanding obligations in your bankruptcy filing papers, then the bankruptcy won't discharge the debt unless the creditor had notice of the filing.
Knowing which debts are non-dischargeable can help you avoid mistaken expectations about the impact of a bankruptcy filing. In some cases, it'll make more sense not to file at all and instead seek other solutions for your outstanding debt.
Investing Best Accounts. Stock Market Basics. Stock Market. Industries to Invest In. Getting Started. Planning for Retirement. Retired: What Now? Personal Finance. The Ascent. About Us. Who Is the Motley Fool? Was your Shepard a paragon? Too bad, buddy; now she's the galaxy's worst war criminal.
The more the player understands about the Mass Effect universe, the worse the ending seems. Destroying the relays nullifies not only the major decisions Shepard has made, but even the mission she undertook. The Reapers did not harvest all life, Shepard murdered it instead, eradicating not only all the principal civilized worlds of her time but also any primitive cultures unlucky enough to live near a mass relay.
Even the more personal choices were ignored, at least for my renegade Shepard. As the conduit exploded around her, she flashed back to images of her pilot, Joker, her mentor, Anderson, and Well, Shepard had a fling with her once, but that was years in the past. They're just friends now. My Shepard had finally fallen for Garrus, even made love to him not long before the final battle. Yet she saw no vision of her lover in her final moments, nor even of her best friend outside the crew Wrex, obviously.
Instead, my Shepard's thoughts were apparently with the pilot she thought was an irresponsible cut-up. At least Joker manages to save a few lives. Although almost all of Shepard's crew was with her on Earth for the final push against the Reapers, they somehow end up on Shepard's vessel, the Normandy, racing at lightspeed to escape the shockwave. The ship crash-lands on some hitherto unknown garden world, dooming Garrus and Tali to a horrific death by starvation. As organisms built on D-amino acids, they find L-amino life indigestible.
Tali will likely have the worst of it, as when she inevitably tries to eat something it will certainly cause a painful allergic reaction on top of being non-nourishing.
This absurd sequence, which ignores not only the details of the game's universe but even obvious aspects of the immediate plot, points to the ending's failure to adequately mesh even with its own fiction. This also shows through in the explanation given for the Reapers themselves, which is that each Reaper is used to store an organic civilization so that all organic life will not be wiped out by synthetic lifeforms. In one sense, this is troubling because it implies that killing a Reaper is an act of genocide.
The larger problem for the ending, though, is that it leans on the series' least interesting theme, and even then disregards everything that the games have conveyed on the subject. After all, the genuine synthetic intelligences present throughout the series have generally not been inimical to organic life.
The robotic Geth, although initially presented as aggressive foes, are later shown to have been the victims of pre-emptive attacks by the Quarians. Even the ones that joined the Reapers in the first game did so out of a desire for self-advancement, not out of intrinsic malice towards organics. The other true AI the series presents is EDI, whose voluntary aid repeatedly proves crucial in helping Shepard's missions succeed, and who might even be in love with Joker.
Though the game undercuts itself by almost always placing synthetic lifeforms on the business end of Shepard's gun, in dialogue and plot the synthetics are neutral, or even allies. Yet even though the story of the Mass Effect games refutes the necessity of war between AI and organics at every turn, the finale presents their conflict as inevitable. The ending does not even give Shepard the option to use the truth about the Geth to argue against the Catalyst that controls the Reapers.
In this and other ways, the ending doesn't reward the player for paying attention to the world the games have presented. Indeed, the more the player understands about the Mass Effect universe, the worse the ending seems. For a game series that had a rich backstory conveyed through dialogue, detailed factsheets, and miles of text, disregarding the lore is a significant act of disrespect towards the invested player. It argues that their interest in the world does not matter, not even to the world's originators.
Shrinking the possible outcomes of Shepard's final confrontation down to a few options allows the developers to exert the maximum amount of control over those moments, and that's not necessarily a bad thing. However, by ignoring the series' lore and discarding the effects of the player's choices, Mass Effect 3 's ending disrespects the player's investment and engagement in the game's world.
Handled that way, the conclusion argues that the player's time and emotional attachment have been wasted. This transforms the developer-player relationship from creative collaboration to adversarial dictation. That transformation is exacerbated by decisions - the day-one "From Ashes" DLC released alongside a game-ruining face-import bug , Ashley's new look, and Jessica Chobot's cameo - that seem openly contemptuous of the series' core fans.
Destroying the universe on their way out the door is the developers' ultimate attempt at seizing control of the creation, an exclamation that "This is mine, and you can't have it! This explains some fan reactions to the ending.
A petition to alter the ending through a patch or DLC may seem unrelated to a forum post reinterpreting the existing conclusion as a hallucination. Both responses, however, represent players' attempts to seize control of the narrative back from the developers, by choosing a new series of events, or by choosing a new lens through which the existing events will be viewed. Upset as these players are, a poor ending does not undo a wonderful game.