Even the person who seems to have it all “together” financially may experience financial difficulties that create debt they cannot afford to pay. Some common reasons a person may file for bankruptcy include: • Job Loss: Losing your job is something you can't control. Layoffs and company closures take many employees by surprise. Even if you have some savings, losing your job can be devastating. Long periods of unemployment will drain your savings, leaving you with no choice but to use credit to make ends meet. When you find another job, the debt is more than you can handle. Declaring bankruptcy will give you a fresh start to recover and rebuild. • Injury or Illness – An unexpected accident or illness can result in thousands of dollars in medical bills. Even with good health insurance, you could still face thousands of dollars in unpaid medical bills. If you are out of work, this only makes the situation worse. A bankruptcy filing will save medical debt and other unsecured debt so you can rebuild your finances and get your life back following an injury or