Financial problems are bad enough without having to worry about what your friends and families will think if they find out about your situation. This is especially true if you decide to file personal bankruptcy and your family members find out about it.
It will undoubtedly be difficult to ignore these feelings, but you need to concentrate on more important issues in order to resolve your financial crisis and restore your family's future. You should never make decisions simply out of fear or shame; rather, you should give your debt problem careful consideration and make the best possible choice for you and your family.
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If that means that bankruptcy is the right choice for you (which you only know if you sit down with a good bankruptcy attorney), then you shouldn't be dissuaded by the criticisms of a family member. As long as you have made a decision after carefully examining your options and discussing your problems with the professional, then you should be determined to follow through with whatever choice you make.
Bankruptcy is certainly not for everyone, and we wouldn't pretend that it is the only option available to you. It should to be taken seriously, since it has long-term repercussions for your family's credit. However, if you have decided this is the best option for you, you don't need to drag the emotional baggage with you for the next several years. Be confident that you have done the right thing for your family, and hopefully your family members and friends will gradually come to realize this instead of criticizing you or feeling disappointed in you.
So once again, don't be afraid to choose bankruptcy if it is the right option for you, since it will give you a fresh financial start which many people like you desperately need.
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