Holistic Bankruptcy: Understanding the Financial, Social and Emotional Consequences of Personal Bankruptcy

My 20 year, self-funded, study of the impact of personal bankruptcy on relationships, families, women, seniors, workplaces, minorities and the toll of this takes on society.
Personal Bankruptcy is caused when you spend more than you have and owe your creditors more than you can pay them. The reasons this happens are as complex as life itself: lack of planning, bad breaks, illness, unexpected events, economic downturns, overconfidence and insecurity. The list is endless.
What my case studies demonstrate is that filing for personal bankruptcy is a process that markes the end of a stressful chapter in your life and the beginning of a more financially sound, better planned and more realistic future. Debt is certainly not the end of your life and no one should ever think a filing will "end" their good name or destroy their character. On the contrary, failing to do so when its clearly indicated you are sinking, provides you with no legal remedy for protection while you're getting your financial house in order.
To better understand your own spending patterns, I've included a questionnaire to help you score under what conditions you shop. The more you know why you behave as you do, the better you can correct any difficulties and maintain your own financial health. I've also included a brief plainly written glossary of terms so the average person can understand what the system and the attorneys are talking about.
"Survive and Thrive!" that is the motto of my organization, "Bankruptcy Anonymous" began in 1997.
There is useful information on how to set up a local chapter near you, or contact us at