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 between 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. Don’t let guilt stop you from doing what is best for you and your family.