How do I know if bankruptcy is the best thing for me and my family?

Are you facing any of these obstacles?

• Are you heavily in debt with little prospect of getting out of that debt in the near future?
• Have you had, or are your creditors threatening foreclosure on your home or,  repossession of your car?
• Have you experienced a drop in income that you don't realisticly know when or how it will be replaced?
• Are you frequently late paying bills, incurring outrageous late fees?
• Do you only pay the minimum on your credit cards?
• Are you unable to make even the minimum payments?
• Has the interest on your credit cards been increased dramatically?
• Do you have to sacrifice basic necessities just to make ends meet?
• Are you paying more money than you make on just your monthly living expenses?
• Are you losing sleep at night wondering how you're going to make it?
• Have you bounced more than one check in the last two months?
• Are your wages in jeopardy of being garnished?
• Have you recently become disabled?
• Are you going through a divorce resulting in a decrease of income and an increase in expenses?

If you answered yes to any of these questions, help may be closer than you realize. Many people keep trying and trying to pay their bills even though they fall further and further behind. They simply do not know what else to do. Bankruptcy can put an end to garnishments, law suits, credit card debt, repossessions and more.