“Just save your money. Don’t let it get that bad.” Comments like that might sound responsible—but they completely ignore the reality that life happens. Not everyone ends up in debt because they’re careless. What about: 💔 A job loss after 10 years 🏥 A medical emergency with sky-high bills 💳 Supporting a family on a single income 🏚️ A divorce or abusive relationship 🎓 Student loans that never caught up with stagnant wages Bankruptcy isn’t for people who gave up. It’s for people who tried ever