Why file bk if I'm judgment proof?

[HHM]

the damage is done for 10 years even if its dismissed

You have been around this forum for a while, I can't believe you would make such a statement.

Ok, Yes, a BK is "reported" in the public records section of your credit report for 10 years. Big Deal.... the negative impact, i.e. the negative effect it has on your credit rating last for no more than 2 years.

[floridian]

thats good to know, i guess i read it wrong... i thought it was there no matter what..