Bankruptcy is the least of your concerns if you have been in a good financial state. However, if you think that at any point in time, you will get a break in your good financial state, and your credit history with any financial institute may become bad, then act proactively and get advice from any attorney or a lawyer who knows about bankruptcy laws, filing of petition, or helping you out in your bad debt management. This way you will be able to find out about such scenarios and you can avoid them by planning against bad concerns. Always try to minimize the use of loans, taking them and utilizing them in wants. Control your hands over you spending habits and it will improve you.
Source: http://genuineartikle.com/finance/avoid-getting-a-bankruptcy-situation/
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