ABSOLUTELY FALSE:
Many good, honest, hard-working people have filed for bankruptcy. Just because you have fallen on hard times does not make you a loser or a deadbeat. There are a number of valid reasons as to why even the most responsible people fall behind on their payments and suddenly find themselves struggling with debt. If you are facing overwhelming debt, you should not be ashamed or embarrassed, but rather take this opportunity to get a handle on your financial situation so you can move forward towards a future with financial stability and peace of mind.