| You are working hard, making a good salary. You | | | | tell your wife that a friend of yours just filed a |
| have all that you need and more. You have a nice | | | | bankruptcy and tell her the details. She is afraid of |
| home, two cars, a 4-wheeler, just took a trip and | | | | what will become of you. She thinks you'll never be |
| put all the charges on one of your credit cards. Then | | | | able to buy a house again or a car. She reminds you |
| you and your wife find out she is pregnant, with | | | | that this act will loom over your heads forever. In |
| twins. Maybe you weren't expecting this now, but | | | | this moment you ask her go with you to see the |
| who really has control of their life? You realize after | | | | lawyer your friend told you about. He has been |
| sitting down with your wife several months later, | | | | helping people just like you for many years. She |
| that you in are in over your heads. The idea of | | | | reluctantly agrees. The next day you both meet with |
| bankruptcy flashes in your mind. | | | | the lawyer and you find out your fears are |
| You cannot afford groceries this week, perhaps you | | | | unwarranted. |
| can pay the Sears bill next month. The car payment | | | | After the discharge of your debt, you will be able to |
| will have to wait until next pay period. Creditors are | | | | buy a car, if needed. You also find out that you can |
| beginning to call. Your wife has to have an Ultrasound | | | | buy another home. The lawyer shows you proof of |
| for the second time this month, and this one is not | | | | a client that did just that a week before. As you and |
| covered for some reason. The subject of bankruptcy | | | | your wife leave the office of the lawyer, you both |
| comes up one day at work, while you are eating a | | | | feel that a giant weight has been lifted from your |
| sack lunch. Your friend tells you that he and his wife | | | | backs. Almost giddy, you get into the car that you |
| had to file for bankruptcy because they were about | | | | will be able to keep. Your decision today to file for |
| to lose their home. You notice he doesn't seem | | | | bankruptcy has helped you to be able to keep your |
| ashamed or bothered by the thought. | | | | home that you worked so hard to get, just a year |
| When you get home, the money talk comes up | | | | ago. |
| again, you've heard just about all you can handle. You | | | | |