If you find you are living from paycheck to paycheck with an overwhelming amount of unsecured debt, you may be tempted to jump out of the frying pan and into a Bankruptcy. Slow down and look before you leap. Bankruptcy is the financial option of last resort,not the option of frustration. Don't be afraid to contact your creditors to request modifications to home mortgage, vehicle or other agreement. You are no worse off by asking, so don't delay. There are many other persons in the same predicament. Be patient and take the time to pursue other alternatives to bankruptcy.
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