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If you are considering bankruptcy as an option to eliminate your debt, you are making one of the most important decisions of your life. These types of decisions are best made by being educated and informed.

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It is true that a Chapter 7 or Chapter 13 bankruptcy will appear on your credit report for years, but that does not necessarily mean filing for bankruptcy is the wrong choice. It could be the only way you can get back on firm financial footing when you are struggling with debt.

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In 2019, more than 45,000 individuals in Georgia sought protection from creditors through bankruptcy filings. What led them to take this path other than the seemingly insurmountable amount of debt they're facing? Often, it can be to stop the seemingly endless harassing phone calls and letters from creditors.

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Student loan debt in the United States now totals $1.5 trillion, with the average post-graduation debt reaching $29,800. According to the Federal Reserve Bank of New York, almost 11 percent of all student loans are at least 90 days past due.

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Coins, a calculator, a piggy bank, a compass, and a magnifying glass sitting on top of a financial report

In 2019, nearly 43,000 Georgia residents filed for Chapter 7 or Chapter 13 bankruptcy, seeking a fresh financial start for themselves and their families. Most of them didn’t make the decision to file easily. Even when debt is managed and cleared, bankruptcy leaves behind a poor credit score for years.

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Your debts are overwhelming you, and you dread retrieving the mail to see another bill arrive, or answering the phone just to be bugged about overdue payments. Millions of Americans have found themselves in this position.

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According to the Small Business Administration, small businesses — that is, businesses with fewer than 100 employees — account for 99.9% of all U.S. businesses. The coronavirus outbreak has led to business closedowns, which has affected numerous small businesses in the United States.

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Financial problems can happen to anyone. Unanticipated events can overwhelm even the most financially stable of people. It could be anything from the loss of a job, to medical problems, to bad financial investments. When someone realizes they can't pay their debts, they'll experience significant stress in their life. Bankruptcy can be a chance to restart your financial life.

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