In fact, if you choose to file Christian bankruptcy you have a good Biblical case

along with other  ’debtors’ from the Bible to move forward without the guilt that an overly oppressive view can cause. Which long term can harm your relationship with God.

But before you run off to decide whether you want to chapter 7 bankruptcy  or chapter 13 bankruptcy it, let’s look past the religious jargon to decide if declaring bankruptcy is the right choice for you to realize a fresh start. And who

knows, you might be surprised.

Now that you know that I think Christian bankruptcy is okay, let me come clean and tell you I have never filed personal bankruptcy, so everything you are about to read is from the perspective of someone who fell into a lot of debt, but fought and clawed my way out.

So there, that is my disclaimer.

1. First, going bankrupt is almost never a good option. It is actually pretty expensive to file bankruptcy (starting around $1000 with filing and bankruptcy attorneys fees).
2. It dramatically affects your credit almost immediately.
3. And you will be wrapped in various legal issues that require a qualified bankruptcy attorney to navigate through.

And even if you feel like the late fees, credit card balances and over the limitfines are out of control to the point that you feel hopeless, there are times when you should avoid Christian bankruptcy at all costs.

• When you think it sounds like an “easy way to get out of debt quick”.
• You think you can “just file bankruptcy” and the slate gets wiped clean and all of your problems disappear. Because they won’t!
• If you can, with a reasonable and sustained effort get out of debt. And by reasonable and sustained I mean 4-5 years of selling off ALL of the “toys”, sticking to a budget and even working an extra job to pay down the money you have borrowed.

With that said, here is when you should consider filing bankruptcy as a Christian.

• You have developed a budget and in doing so realized that you could not possible pay off your current debt obligation in a reasonable time (6+ years).
• You have found a local bankruptcy lawyer who can help you understand the legal ramification of what you are about to do.
• You understand the options of Chapter 7 (total bankruptcy) and Chapter 13 (a repayment plan).
• You have sought reliable Christian Credit Counseling and Christian Debt consolidation help, but it has not helped.
• And lastly, but really firstly, you have prayed and asked God to give you wisdom, peace and hope for the situation.

So while Christian bankruptcy is never a great choice, if you have corrected the source of the problem that got you into this mess and can honestly say to yourself and God that you have tried the alternatives to bankruptcy and have still not found the debt relief you need, then bankruptcy might be the ‘light at the end of the tunnel‘ that will finally relieve you from the hopelessness that threatens your happiness.

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