Have you been trying to decide whether to pay your electric bill, get groceries, pay for your medications, or make a payment on your outstanding debts? If you are in over your head with debt, and trying to make these difficult decisions each month, it may be time for you to consider filing for bankruptcy. Bankruptcy is the only thing that saved my family from being tossed out in the cold after I lost my job. Even after finding a new job, I was unable to get caught back up on my bills. After discussing my options and learning about the differences between debt management programs and bankruptcy, I decided to file for bankruptcy. It saved my family a lot of grief. I hope that the included information on this site can help others keep their homes during financial difficulties.