Some day despite the best of intentions we may find ourselves with such difficult credit problems we need protection from our creditors. It could happen even to conservative well-administered families when say a bread winner loses a job or because there’s an unexpected serious illness or because some other major event occurs that upsets the economic stability of the family. It can happen, and it HAS happened millions of times.

When a family finds itself unable to pay its financial obligations, it will discover that the “system” favors their creditors. In short, there are no acceptable reasons or excuses that have valid legal standing for non payment of indebtedness. Therefore, no matter what