1.   Also in October, a presidential committee recommended bankruptcy law changes to Congress that generally would make it easier to file personal bankruptcy.

2.   Attorneys also say reaffirmation is rarely a wise choice for someone filing bankruptcy.

3.   Banks, credit card companies and other creditors have recommended changes that would make it more difficult to file personal bankruptcy.

4.   Both companies have also insured bonds issued by Southern California Edison, which has not filed bankruptcy but could do so.

5.   A board also is being considered for Orange County, California, which filed bankruptcy last December.

6.   After the conversion, Western Union, whose name was changed to New Valley Corp., filed bankruptcy and was sold to First Financial Management Corp.

7.   But she said in some cases her road was harder than that of a friend who filed bankruptcy.

8.   By filing bankruptcy, Big Rivers no longer has to pay those rates, Sauls said.

9.   Chains come in and flourish, then suddenly file bankruptcy, Kyser said.

10.   Cherokee filed bankruptcy last year because the company did not make enough revenue to meet its interest payments.