Life happens and a bankruptcy might be the smartest way for you to bounce back.  But truth be told, a bankruptcy may not be right for you!  If it isn’t, I will be honest with you and hopefully suggest better alternatives. If you’re thinking about bankruptcy because you’re facing foreclosure, or due to a single debt, or due to another isolated circumstance—bankruptcy may be one of several options available to you.  I have worked for lenders and debtors and I focus on chapter 7 and 13 bankruptcies because that is what the average person needs.  Let’s sit down and talk about what’s going on and hopefully just meeting and starting the process will relieve some stress.