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-

The throes of debt! "Debt is like a saddlebag, and you, the horse that's carrying the bag." -Anonymous AS of 2022, Americans have $986 billion in credit card debt. Nearly a trillion dollars. But what makes this number really STAGGERING is that in 1965, this number was ZERO. WHY?- Because there was no credit card, and Americans could only buy what they could afford. How's that for a novel idea? Fast-forward 56 years and we are now in the midst of a DEBT ARMAGED