The Hype I have practiced bankruptcy law for 22 years.  In that time, I have been called upon many times to defend the actions of “irresponsible debtors” who run up debt and then run to the bankruptcy court for protection.  You know the type of person I am talking about.  The debtors who run up their credit cards, who sign car loans at 25% interest, who take out payday loans at 400% interest.  Those debtors who should have known better, who should have understood the 

Financial problems are no laughing matter, but sometimes humor helps us get through our darkest days. I want to share with you the story of a client who had to file a Chapter 7 case for himself and his business.  In a matter of just a year, his once thriving business had died.  He couldn’t make his business work, and he was personally liable for much of the business debt.  Filing a Chapter 7 case was the only real option for him, but he struggled