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 Life is uncertain that's for sure.  You watch the news and we're told these are scary times and that our ‘banking institutions' have made mistakes and need help - billions of dollars of help.  Where is the money coming from - looks like it may come from you and me.
So, perhaps it's time to reconsider the stigma of filing for bankruptcy.  Let's face it - if you are not able to keep up with your expenses - why not take advantage of the laws that allow for ‘debt forgiveness'.   Bankruptcy does not give you permission to be irresponsible - bankruptcy gives you the ability to manage your finances (Chapter 13) or wipe out your unsecured debts (Chapter 7).   
No one likes to admit they made mistakes or even acted a bit irresponsible.  But no one likes arguing with their spouse over money and the tension that fear and unmanageable debt adds to a marriage can feel like the last straw.  Our debts don't define us.  Our ‘toys' and our ‘careers' don't define us.  When you look in the mirror and review your personal character inventory - how do you rate?  Are you someone that is caring, loving, generous of spirit, honest, forthright, etc.? I believe that's what defines us.The bottom line is - if you've made mistakes with finances - forgive yourself; if you have medical bills, lost your job, your divorce set you back, your mortgage payments are currently unaffordable - help yourself and your family by seeking ‘debt forgiveness'.  At least that's honest.  Now, can we say that about many of our financial institutions that have either failed or on the verge of failure?  Just something to thing about............