We are experiencing unusually challenging times, with both internal and global factors disrupting the lives of hardworking people with even the best-laid plans. Unfortunately, there are situations where filing bankruptcy is the best option for you and your loved ones—to bring an opportunity for a new start and a hopeful future. If you are in debt, having trouble paying your bills, may lose your home through foreclosure and/or eviction, may lose your car through repossession or are experiencing any other financial issues such as collection efforts from creditors, declaring bankruptcy may be an option for you.