During these difficult economic times with rampant unemployment, credit tightening and rising debt, the decision to file for bankruptcy may be in your best interest. Around the country, millions have found themselves in a position where they are unable to meet their debt obligations. This situation can occur for numerous reasons including becoming unemployed, a small business suffering due to the economy, the death of a spouse or supporting family member, a divorce, serious illness or injury and a variety of other factors. If you find yourself in this position, call Lerner Law Firm & Associates, P.C. to discuss all your various options. If filing for either Chapter 7 or Chapter 13 bankruptcy is in your best interest, we will advise you to file. As soon as filing is complete the harassment will stop. Creditors will no longer be able to call seeking payments and once complete, you will have a ‘clean slate’ to move forward and begin living your life again.