<human>:  What are the pros and cons of filing for bankruptcy?
<bot>: 
Pros:
 • Discharge of most unsecured debts
 • Can stop creditor harassment and legal action
 • Can help you get a fresh financial start

Cons:
• Can negatively affect your credit for up to 10 years
 • Certain debts are not dischargeable, such as alimony, child support, certain tax debts, and student loans
 • May be difficult to obtain loans in the future
 • Can be costly and stressful to manage