The benefits and drawbacks of filing. A pro is that part of your debt can be cleared. One of the major drawbacks is that this stays on your record all the time. This is why lawyers need to notify that you. If you decide to file for bankruptcy, it won’t ever go away. Therefore, make sure that you know the facts before you opt on the possibility of paying $1800 that can get the lawyer that you’ll need. iaoucpvkzf.