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The decision to file for bankruptcy or not will depend on your financial situation as well as some issues surrounding your home. Give a call to the office and we can discuss during a consultation.
Should I consider bankruptcy? I incurred all of my debt in 2009 paying for a home renovation. I cashed in my 401k and ran up credit card debt paying for the project. I am barely meeting all bills when I realized that I will have a big tax bill as a result of the money I withdrew from my 401k. All total my debt is more than $100,000. My income, from social security and pension, is $3,000/month before taxes. I am married but file taxes and pay bills separate from my husband. He will not be part of the bankruptcy.
I'm a consumer protection lawyer who helps people with their bill problems. The solutions I offer depend on your individual situation rather than being "one size fits all." In trouble? It's time we talked. 
I’ve been practicing bankruptcy law in New York for over 30 years. I will recommend bankruptcy only if it's right for you - not just because it happens to be the field of law in which I practice.
My professional background includes bankruptcy real estate and mortgage issues. My job is to help you get the solution that works best for you. This is more than your finances; it's your life and your future. 
