From: Edward J. Gudeman
A few of the people reviewing my page have sent comments along which if summarized say, succinctly,
“Why don’t you just pay your bills? If you did no one would be garnishing your paycheck, etc.”
Well, I suppose there are many people who can pay their bills and believe that bankruptcy is not an option for them. Then, there are those who for whatever reasons cannot pay their bills. That doesn’t mean they are bad people. It just means that at this point in their lives, they do not have enough money or income to handle all their financial obligations. It is these people that the bankruptcy laws, based in our Constitution, can come into play to help them. Taking advantage of those laws is a legally, morally and ethically acceptable. No one should be cajoled into suffering more than they need to in order to take care of themselves and/or their families.
I have filed thousands of cases for people and I can state categorically that not one of them wanted to file for bankruptcy and none of them were trying to abuse the system. Rather they were seeking a means of protecting what little income they had so that they could feed their families and pay their rent or mortgages and car payments, so that they could go to work.
Those people who have the income to pay their bills should be lauded for doing so, but I do not think that they should be so self-righteous as to think that in these still difficult times that everyone can be just like them.