Not true. Most of the people who file bankruptcy are good, honest, hard working people…just like you and me…who file as a last resort…after months or years struggling to pay the bills left over from some life-changing experience, such as a divorce, the loss of a job, a failed business venture, a serious illness, or some family emergency…or because they honestly and mistakenly fell into more debt with ever increasing interest payments, then they can now afford.