Your financial problems are unique. Only you can decide whether bankruptcy is your best option. You should consider these warning signs:

• If you are facing foreclosure or repossession;
• If your creditors have attached your wages or your bank account;
• If you can’t catch up with your bills no matter how hard you try; or,
• If you no longer answer the phone because creditors call you night and day.

You may wish to call Mr. Lloyd to discuss your situation. His job, as a bankruptcy attorney, is to consider your entire financial picture, explain all the options to you, and guide you as you make the decision that you think is best.