Work with a bankruptcy attorney to overcome a bad financial situation
Filing bankruptcy should not be viewed as a personal financial failure. It should be seen as a tool - a way to make progress with your financial future. If you file chapter 7 and discharge your debts, you are then no longer paying for yesterday. You are able to better live for today and plan for your future. If you file chapter 13 you are doing so to have a clear and predictable path that will set you free from debt over the course of 3 or 5 years.
Working with an experienced professional to help you move through the bankruptcy and court process is smart. Statistically, people working with an attorney when filing bankruptcy are more equipped to get through the process and are able to better receive all of the benefits that bankruptcy provides. Maximize your time and results with bankruptcy and work with an experienced attorney.