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What would you do if you were me?

I could never answer that question. Lawyers are supposed to listen to the facts, evaluate situations, tell clients the law, and then tell clients what their options are and what the impact of each option would be on that client. The client then has to decide what he will do because only the client will be in bankruptcy and will be affected by his choices.

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  • Can I go to Jail for not Paying my Bills?

    No, not unless you committed a crime in the creation of the debt (for example, fraud). Simply borrowing money and not being able to pay it back is not a crime. Many creditors representatives will tell you lies on the telephone and say that they will have you put in jail. Perhaps they are too ignorant to know they are wrong or that it is illegal for them even to say that. See More Bankruptcy Q&A