Are you in debt? Are you unable to make consistent payments towards that debt? Is your total debt more than you can reasonably pay back in the foreseeable future? Are you receiving collection calls and letters from creditors? Have you been sued in civil court? Do you have any money judgments filed against you? Have funds in you bank account been seized? Are your wages being garnished? Are you in danger of losing your home to foreclosure? If you can answer “Yes” to one or more of the above questions, you may be eligible to discharge or adjust your debt by filing for bankruptcy protection under Chapter 7 or 13 of the United States Bankruptcy Code.