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filing-for-bankruptcy-law-office-antoniette-jauregui-photographEach year, many Americans file for bankruptcy after suffering an adverse life changing event, such as job loss, health problems, divorce, etc., to discharge their unsecured debts, and to protect or surrender, their secured assets, if any.  The unsecured debts can be defined as credit card debts, Medical bills, etc.  Some of the examples of secured debt are real estate, and car.


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Such life changing events can severely impact one’s finances, especially if there is no nest egg to deal with the crisis.  Most of us may not have the luxury of having a reserve and may not have a choice except to resort to bankruptcy filing to stave off creditors.


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