Bankruptcy exists as an option for those who have few or no other options to wipe the slate clean and start over.  It can be a great way to get out of a hopeless financial situation.  However, whatever it may do to debts on paper, bankruptcy is futile if one continues to make the same financial mist

It is time for spring cleaning, which means that it is time to take a look at what needs improvement around us. For most of us, this means taking a closer look at our finances in addition to our home and personal lives. With nearly two-thirds of Americans struggling with overwhelming debt burdens th