Bankruptcy is a legal process by which you are able to obtain assistance with debt, save your home when in foreclosure, and stop wage garnishments.
Bankruptcy is not something to avoid if you need it.
Bankruptcy will give you a chance to start over and begin a new life.
Bankruptcy will not stop you from ever owning a home.
Bankruptcy can increase your credit score.
Bankruptcy cannot leave you in a worse state than before you filed.
Your legal right to Bankruptcy can be found in Article I, Section 8 of the United States Constitution:
“The Congress shall have Power To lay and collect Taxes, Duties, Imposts and Excises, to pay the Debts and provide for the common Defense and general Welfare of the United States; but all Duties, Imposts and Excises shall be uniform throughout the United States;
To establish an uniform Rule of Naturalization, and uniform Laws on the subject of Bankruptcies throughout the United States;”