Filing Personal Bankruptcy

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Bankruptcy Look for the Warning Signs
By Charles Essmeier

The Bankruptcy Abuse and Consumer Protection Act, signed into law last April, will take effect this month and bring with it some of the most sweeping changes in debt law in history. As the new requirements are much more strict, expensive, and time consuming than the old ones, consumers with problem debt are rushing to file now. But many others are wondering if their debt problems are serious enough to warrant the rather drastic decision to file for bankruptcy.

Here are a few things that may help you reach a decision:

You have two or more major credit cards with outstanding balances - Credit cards work best when used for convenience, such as when you don't have cash with you or w...
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