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There is no shame in turning to bankruptcy for help

On Behalf of | May 18, 2022 | Bankruptcy

There is no shame in bankruptcy. If you are dealing with frustrating debt that you don’t seem to be able to overcome, bankruptcy could be very helpful for you.

Many people don’t turn to bankruptcy because they believe it is morally wrong. They mistakenly believe that they should have to repay everything they have borrowed, even though they have no means to do so or it would create unreasonable hardships in their life.

The United States has bankruptcy policies to help people when they fall behind on their debts. These protections are there for consumers, and consumers should not be afraid to use them. They are built into the economic system of the United States and are available depending on your personal circumstances.

Not all who go into bankruptcy were bad with money

It doesn’t matter if you made bad money decisions or have debt because of medical bills. You deserve an opportunity to start fresh.

While in the past, people believed that poor spending decisions led to bankruptcy, the reality is that people may go bankrupt for any number of reasons. For example, you might have lost your job unexpectedly and now are having a hard time finding a new one. You may have had a sudden medical emergency, and even with insurance, the debt may still be more than you can afford.

You have bankruptcy options

You do have different bankruptcy options if you’re struggling with debt today. Chapter 7 bankruptcy, or liquidation bankruptcy, gives you the chance to reduce what you owe and eliminate some of your unsecured debt within just a few months. Chapter 13 lets you repay debt over time, but it also gives you a break on the monthly payment and total owed in most cases.

Don’t wait to talk to someone about the positives of bankruptcy. The perception of bankruptcy isn’t always good, but it’s a safety net designed to help people in situations like yours. It’s helpful to discuss the different kinds of bankruptcy that exist and to look into filing a petition if you’re having a hard time making ends meet.


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The Law Office of Kim Covington, is a woman owned debt relief agency, and I have helped families, individuals and small businesses, file for bankruptcy relief under the U.S. Bankruptcy Code, for over 24 years.