Arizona Republic:  “Bankruptcy doesn’t always work as advertised. For starters, not all debts – including student loans, some tax liabilities and child-support obligations – can easily be shed, if at all.  Also, not all applicants can qualify for the type of filing they want, such as debtor-friendly Chapter 7 plans that are restricted to people with relatively modest incomes.  Besides, there are many nuances in the law that can thwart debtors and creditors – intricacies of which even some attorneys might not be aware.”