Have you ever thought about this? Businesses file bankruptcy all the time. Some seek Chapter 11 Bankruptcy relief and some file Chapter 7 Bankruptcy relief. When these board members get together to discuss the corporation’s debts and assets they don’t invest a lot of emotional energy into the decision to file bankruptcy or not. Filing bankruptcy is either prudent for the corporation to do or not. It either makes good business sense or not.
The same rationale holds true for your personal finances too. I mean if you think about it, the family check book is like a business too. You either have a lot of debt and need to file a bankruptcy or you don’t. It either makes good financial sense to file bankruptcy or it does not. I think sometimes it is helpful to separate you from your checkbook. You are not a check book. You are a human being. Your check book is the one that has some issues, not you.
I think it can be helpful to look at our personal finances the same way a business looks at its own finances. Detach yourself from the check book and realize you are not your debt. You are a human being who can transcend your check book problems by making a financial decision that protects your family the same way those board members protect the corporation. That is their job--- to protect the corporation. Your job is to protect your family and you should make no excuses for doing so.
I don’t think corporations regret filing for bankruptcy protection and neither should you.
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