According to a 1999 study, the average person filing for bankruptcy earns just $22,000 per year. Most have suffered a significant period of unemployment before filing. According to a report by Consumers Union, 85% of elderly debtors cite medical or job problems as the reason for bankruptcy. Single moms trying to make ends meet make up a large portion of bankruptcy filers. Half of all bankruptcies are triggered by sudden uninsured medical expenses, according to a study at Harvard University.  Unfortunately, the facts don’t matter much to the fat cats in Washington.  Bankruptcy “reform”  nonsense  was the result of campaign ”contributions” from the big banks to members of Congress.  The traps have been set.  Guidance from an experienced Denver bankruptcy attorney will make or break your case.