If you're struggling financially and have fallen behind on your mortgage or car payments, then you may be considering bankruptcy. If so, you should talk to a bankruptcy attorney soon so you know what to expect and to develop a plan to save your home if that's what you want to do. Depending on your situation, filing for Chapter 13 bankruptcy might be right for you, but there are also other forms of bankruptcy to consider with the help of an attorney.
While trying to get your finances under control, you may get to the point where you feel it's necessary to consult with a bankruptcy attorney. In the American legal system, bankruptcy is set up to enable people and businesses to get things back on track. You'll be obliged to make an effort in good faith to pay your debts back, but the system is designed to ensure only that you do so to the best of your ability under the circumstances.