Consider bankruptcy if:

• You cannot pay your debts as they come due.

• Your wages are being garnished.

• Your bank accounts have been attached.

• Judgment liens have been entered against your property.

• You have been notified that you are in default of your mortgage and facing foreclosure.
  
  If you are considering bankruptcy, don't wait until the last minute. There are no "last minute" bankruptcy cases any more. It will take a while, maybe as long as 30 days to prepare for filing a bankruptcy petition.