When should you consider Bankruptcy? Ask yourself if any of the below apply to you.

Bills are stacking up?
Are you living paycheck to paycheck?
Never answer the phone without checking caller ID?
Know your rights when talking to creditors?
Rarely have enough money to cover monthly bills?
Usually only pay the minimum payments or less?
Put off paying a bill because you have to put food on the table?
The phrase "robbing Peter to pay Paul" applies to you?
Can't afford to miss even a single day of work?
You can't see yourself getting out from under your debts?