If life took a turn on you that you didn’t expect, sometimes bankruptcy is the only way out. Oh we humans like to think we can manage on our own, and sometimes we can, but sometimes the sheer size of the debt and headwinds you face are simply too much for humans to take. We cause ourselves to suffer far longer than we should. Its’ part of human nature I guess to see if you can’t pull through anything yourself. Well, I have news for you—you sometimes need help. Are you going to remove the tumor on your hind-end yourself? Of course not. Well then why on earth do you think you can overcome 50k in debt yourself with a modest income?