Bankruptcy is not a bad word. It is simply a powerful tool which offers help to those in need of protection from legal action, garnishments, foreclosure, creditor harassment, repossessions, etc. Many believe that it is used to scam the system, or that it is used by those who are "irresponsible". I can tell you that most people file due to things largely beyond their control, such as death, disability, divorce, lost income, illness, failed business ventures, etc. I never really understood the stigma associated with it. I think that it is largely due to a lack of understanding. This is why I've made it my personal mission to educate as many people as possible about bankruptcy. I hope that my efforts have and will continue to make a difference.