If you are experiencing ANY of these issues, then bankruptcy may be the right choice:
→ You owe more than $10,000 in credit card or other unsecured debt → You have experienced an income reduction due to illness, job loss, divorce or another unexpected life event → You are barely able to make minimum payments each month → You are behind on mortgage payments, property taxes or car payments → You are constantly worrying about your bills or feel a sense of hopelessness about your finances → Your credit score is under 650 or is declining because of your debt → Your debt is causing problems in your relationships with your spouse, partner, or other people in your life → You are receiving calls or letters from bill collectors