Absolutely not! It's whatever amount of debt is too much for you or overwhelming for you. There is no minimum amount, but it needs to make sense financially. You have to ask yourself, can I handle the debt any other way?

Most people who come to see us to file for bankruptcy have pretty much tried everything else. It's usually the last thing they want to do.

They've tried debt counseling, borrowing; they've tried making payments or some sort of consumer credit counseling program and something hasn't worked out. A creditor has become very aggressive and starts coming after them; calling, harassing, suing, and trying to garnish their wages, so it's usually the aggressive tactics of a creditor. Sometimes, it's one creditor out of many that is creating this problem, because the others are cooperating.

Bankruptcy can be a great solution for these kinds of things. Obviously, if the problem is temporary, if you think that in the next 6-12 months that you are going to get a great job or some kind of windfall of money or an inheritance, then bankruptcy may not be for you. If you want to take advantage of a free consultation, we'll sit down and talk about all your options, we'll prepare you a budget. This will help you understand where you can go and what you can do.

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