"Nobody thinks filing for bankruptcy is a great idea. Even quality bankruptcy attorneys will tell you it is a last resort. The fear, the shame, the guilt--it turns your world upside down. Although someone might do everything possible to avoid bankruptcy, sometimes good people still have to go through it. But it’s definitely not an easy out."
https://www.daveramsey.com/blog/the-basics-of-bankruptcy
https://www.daveramsey.com/blog/the-basics-of-bankruptcy