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People have a lot of false information related to bankruptcy. In case you work you may feel that if your employer finds out he may fire you from the job. Many people also believe that in order to file bankruptcy you may either have to be completely broken or walk behind on your bills. The fact is you should never wait to get drained out completely to declare yourself. You may also feel that bankruptcy may never be affordable by you. Keep in mind that there are a number of banks who always have payment plans for everyone. You may also have a feeling that you may lose your home if you are bankrupt. Always keep in mind that as long as you are making your current payments no one can sell your house.