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How To Decide Whether And When To File For Bankruptcy


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When considering whether and when to file for bankruptcy, keep in mind that the right to start over that bankruptcy provides is such a basic right that it is built into the constitution. Every American is entitled to a second chance.

Before filing for bankruptcy, consider the following:

  • Both the pros and cons of filing, including the list of debts that are not dischargeable in bankruptcy and the possibility of keeping some assets that may help you get restarted.
  • Your alternatives. 
  • The timing. For instance, bankruptcy started at the right time can stop the electric company from turning off the electricity.

For more information, see:





If you decide to move forward, see: You've Decided To File For Bankruptcy. Now What?

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