Bankruptcy is the last resort. If you are able to pay your debts or can find relief through debt negotiation or settlement, do so. It’s best to try other options before turning to bankruptcy. However, if your income and property are not enough to keep up with the payments you owe, bankruptcy can be the best option for starting over with a clean slate. If creditors are harassing you, you’re burdened with debt following a divorce, you’re facing foreclosure, or your wages are being garnished to pay your debts, consult a bankruptcy attorney today to determine the best path to relief.