For years I didn't worry much about finances. Along as nobody was calling me and asking for money, I figured I was in the clear. However, one day my laid-back attitude about finances caught up with me. I was trying to apply for a car loan, and I was flatly refused by my lender. He explained that my credit was so poor that bankruptcy might be a viable alternative. That day, I hired a bankruptcy attorney to evaluate my finances and help me to turn things around. It made a huge difference in my life. Check out these articles to learn how an attorney could help you.