Hello guys, This is one of the question most of us have and many of us believe this is the last option. Is this right? Seriously I don’t think so. Recently I got a chance to meet an experienced Trustee in Bankruptcy) and we talked about this issue. His opinion was not to take bankruptcy lightly and that one should only declare bankruptcy once they have exhausted all other options. Before all that it is important to understand the whole process. But, I saw many people take their first option as bankruptcy to secure from their debt. Is this a right decision?