Q: Why are so many consumers filing bankruptcy?

A: Many Americans with excess debt have acquired their debts over long periods of time. While they intend to repay the debts, they may find themselves unable to do so because of unanticipated changes in circumstances such as medical emergencies, job losses or failed businesses, disability, divorce or loss of a spouse. Any of these circumstances, combined with late fees, over-limit fees and the extraordinarily high-interest rates that creditors now charge can result in insurmountable debt.

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