RJM LAWYER 

"Life can feel like going up shit creek without a PADDLE!" -My younger self. Contrary to the foregoing, filing Chapter 7 Bankruptcy is not the worst thing in the world. In fact, it's not even that bad. "But wait," "Ruben-Have you lost your mind!? -Bankruptcy, not that bad, "What's the Catch?" No catch! Just FACTS. Foreword: A common misconception, and by common, I mean virtually everyone believes this, is that bankruptcy will existentially ruin them, and that life post-

Is court a necessary evil? Maybe. But does that mean we have to like it?--Absolutely not! INTRO I have yet to meet someone that absolutely revels in the idea of a contentious no-holds-barred court battle! But Ruben, you're probably muttering, I've watched live court TV, read newspapers, and have even watched My Cousin Vinny (great movie by the way); I know to a mathematical certainty that lawyers love to argue and people are naturally litigious. Look, a broken clock is ri