by John G. Merna, Esq.

Bankruptcy is still a misunderstood tool surrounded by misinformation, myths and a belief that it represents failure.  The reality is very different.  Bankruptcy is one of the most powerful business and personal financial tools available in the 21st century.  Equivalent to a “do-over” financially, bankruptcy has saved families drowning in debt an unable to send their children to college.  It has save the jobs and security clearances of civilian and military service members.  It has allowed people once enslave by debt to change their future and pursue life with joy and vigor free of the stress of debt.  Here a just a couple of the myths to beware of.

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