Don’t listen to the supposed “gurus” who tell you to avoid bankruptcy. Some of these supposed “gurus” filed bankruptcy themselves. And now, they tell you not to file bankruptcy. I sometimes wonder who is paying these people to say this. Is it big corporations or credit card companies? If bankruptcy was good for the guru why is it not good for you too? One even has to be careful with “debt consolidation” companies who are owned in whole or in part by big finance companies.
The reality is this; overwhelming debt is a problem. And it is a problem that causes mental and physical health problems. While every single person I know would like to pay their debt, at the end of the day you have a very difficult choice to make: do you protect your creditors over your family or your family over your creditors? Of course, you protect your family over your creditors, always. When life spins out of control and into the financial ditch, the “gurus” will tell you to stay in the ditch? Sure, that is because they along with other debt consolidations profit off you while you remain in the ditch.
Instead, filing a bankruptcy brings you immediately out of the ditch and back on the road. This is not complicated stuff. Hitting the refresh button on debt immediately moves you from debilitating debt to no debt. Where would you rather be? Would you rather be in the debt and in the ditch where the vultures are preying on your carcass or on the road of life happy again and without debt? The choice is easy. Don’t be fooled by those who profit off of you staying in misery.
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