One thing we see in every person who walks through our door who knows they need to file bankruptcy is guilt and shame. No one wants to file bankruptcy. Remember: there is a difference in deliberately beating someone out of money you owe them, and in not being able to pay your debt. If you can afford to pay back a significant portion of the debt, bankruptcy may not be the right choice for you. But if you cannot, bankruptcy may be a responsible choice. Taking care of yourself and your family has to be a priority. A knowledgeable bankruptcy attorney will help you walk through options available to you and assist you in making the right decision.