I wonder why I am hearing more and more about people filing for bankruptcy. It seems like years ago only a few people had to file for bankruptcy. I always thought this was not a good thing to do. It follows you around for so many years and ruins your credit rating. I guess that having so many debts and not being able to pay them already ruined your credit rating. I think the best thing to do is not run up so many bills that you can’t afford to pay them in the first place. I know making monthly payments is hard but the fewer bills you run up, the less money you have to put out to pay for them. I do understand that sometimes things such as a sickness, death or divorce and can cause financial trouble. These circumstances are considered fair debt. This means that these situations were not in ones control. There are companies that can help you find solutions to this problem so you do not have to file for bankruptcy. Hopefully, you can get your money situation in order and start off with no more bills to worry about and have piece of mind in that regard.