“I’m too broke to file for bankruptcy.”
You never want to get to this point, but I see so many people who need to file for personal bankruptcy who say this. They’re hopeless and resigned to a freight train of foreclosures, evictions, judgments, garnishments, bad credit problems, and endless harassment by collections agencies. Some try to handle it themselves, either by doing their own filing or using a bankruptcy preparer, but in doing this they often make mistakes or get bad advice that leads to the dismissal of the filing. Even a “simple” Chapter 7 is a complex legal procedure that takes place in the federal courts, and you need help.