Feeling overwhelmed by your debts can be crushing. Anxiety about monthly payments, household expenses, persistent debt collectors, and ever-accumulating interest is enough to make anyone feel confused and even helpless. Misconceptions around filing for bankruptcy tend to paint the process in a seriously negative light; however, if you’re truly struggling, bankruptcy can provide you with an opportunity for a fresh start. How do you know when it’s time to take the leap and file? Here are a few of the telltale concerns that allow my clients and I to reach a consensus on a bankruptcy filing decision:

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