I don't have a financial strain bankruptcy would fix. I cannot walk away from current needs for medical care, housing, food etc. I am getting worse not better which equals more needs and cost with less to no resources. You cannot sign up for a post paid life in America and just ignore the costs. The featured article shows how that debt snowballs into worse issues. There won't be seven years in my future at this rate and no means to start over now let lone then. It's not a hiccup to get over nor some administrative issue to be worked around. The amount of "Why don't you just...." that I have heard over the years robs me of all hope. It's usually well meant and not malicious...but its never actionable or realistic and rather based in what people think it SHOULD work like or how it will be for them if they need it.