If you are considering bankruptcy, the American Bankrutpcy Institute can help you make that decision. Bankruptcy may help you if your total debt, (not including car or house loan) is more than you could pay in five years. It could also help if your wages have been garnished or your bank account has been attached. Bankruptcy could also help you two or more of the following apply to your situation:

• Most of your debts are credit card bills or medical bills.
• Collection agencies are calling you at home and/or at work.
• Your payments are more than 30 days behind on more than one bill.
• There are lawsuits pending against you.
• You have high medical bills not covered by insurance.
• You owe income taxes that you are currently unable to pay.
• You have few assets and little or no savings.
• You have had property repossessed (such as a vehicle).

Best Moves Now

• Should I File Bankruptcy?
• Clear Up Your ChexSystems Report
• How to Get the Money to Get Out of Debt