It can be incredibly difficult to come to terms with the fact that you are overwhelmed with debt you are not able to pay back. Debt can accumulate in different ways. Perhaps something out of your control caused you to make financial decisions you may never have made...

Many people are really afraid of bankruptcy, and it makes sense as to why. They’ve been told that bankruptcy is one of the worst financial failures and that it will ruin a person’s financial prospects forever, especially when it comes to their credit. The word...