Are bill collectors harassing you at home?
Are you receiving collection letters?
Are you receiving collection calls at work?
Are you only making minimum payments on your credit cards?
Are creditors suing you?
Are you behind on your house payment?
Are you behind on your car payment?
Are you about to be garnished?
If the answer to any of these questions is yes, it would be a good idea to talk to a reputable bankruptcy attorney. When the events above being to happen, it can be a sign of financial instability. A good bankruptcy attorney can help you figure out whether it makes sense to file.