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Of course, the higher your debt, the slower the process of debt reduction. But please know this: going slowly in the right direction is enormously better than going in the wrong direction at any speed. For example, I heard about

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Full disclosure. This is the most vital and crucial piece of advice I can give you if you are going to file a bankruptcy. Tell all, and I mean all. Remember your attorney will have seen it all and heard

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A bankruptcy lawyer is needed because he or she will know more about the laws than you, will know more about eligibility, more about fees, more about keeping your home from foreclosure, how to stop creditor harassment, and many other

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