There are misconceptions floating around conveying bankruptcy is bad or by filing bankruptcy that makes you unfit, irresponsible, uneducated on credit or simply not trustworthy with finances. Well, I am here to tell you - that is simply not true. My name is Shakeena Melbourne and I am the Principal Attorney of Upton Law, PLLC. And I am here to tell you about the benefits and myths on Consumer Bankruptcy. Consumer Bankruptcy is something that many Americans will to gain a financial restart, an increase in credit score, obtain future credit cards or loans, and to remove negative markers such as collections, repossessions, and foreclosures.