Is There a Way to Avoid Bankruptcy?

Most people that you deal with truly needing a bankruptcy or is it kind of get out of jail free card? It's both, but the vast majority are people that are absolutely at the end of their financial rope. People need to be pro active with communicating with the lenders and goinhey, here's my situation, and let's work something out before you go ham minafor clothes on your house and kick you out.