You are a bad person/failure for filing bankruptcy.

Not True. There is a reason that over one million people file for bankruptcy each year and it is not because they are bad people. Bankruptcy is a means for good people who are going through bad times to get relief. Many times people have to file because they have lost their job, gone through divorce, or experienced medical illness. Some have to file because they just plain made some bad financial choices. Whatever. Bad times don’t make a person bad. Bankruptcy can provide the relief that good hardworking people need to get them out of the bad times. It provides hard working people with the fresh start that they deserve, but are not able to obtain.