A decision to file for bankruptcy should be made only after determining that bankruptcy is the best way to deal with your financial problems. This website can not explain every aspect of the bankruptcy process. If you still have questions after reading it, you should speak with an attorney familiar with bankruptcy. There have been many news reports suggesting that changes to the bankruptcy law passed by Congress in 2005 prevent many individuals from filing bankruptcy. It is true that these changes have made the process more complicated. But the basic right to file bankruptcy and most of the benefits of bankruptcy remain the same for most individuals. If you would like to find out more about your unique situation do not hesitate to set up an initial consultation with me to discuss your options.