When is it time for you to head to bankruptcy court? Many people in the past went to bankruptcy court when they could, in reality, pay off their debts with a little budgeting and frugal living. For this reason, the federal government passed new bankruptcy laws in 2005. Now it is more difficult to go to bankruptcy court. However, for many consumers, filing bankruptcy is the only way out of their financial difficulties. So when do you know that you have come to that point?
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