Close your eyes for a moment and imagine what your life would be like if you could wake up in the morning free from collection calls, free from worries about losing your house, and free from debt. Through the U.S. bankruptcy courts, it is not just a dream. More than 200 years ago, the founders of this country realized that America is about fresh starts. Our bankruptcy laws were passed to give everyone the opportunity to start over in their financial lives. Bankruptcy isn’t a sign of failure. Bankruptcy is the means to start protecting your family’s financial future.