This is a straightforward practical guide to dealing with the threat - or the reality - of bankruptcy. The book explains how to avoid losing your home, how to deal with credit card debts, and how to negotiate with banks and other creditors. It explains why borrowers should NOT succumb to the much-advertised providers of debt consolidation. And it explains what to do when all else fails and bankruptcy proceedings commence. The authors explain how bankruptcy works, and how to negotiate your way through it (and out the other side) as quickly and painlessly as possible. "Bankruptcy: A Borrower"s Guide" is an invaluable guide for anyone getting into financial difficulty.