Now that 2013 is in full swing, most Americans are coming to grips with the reality that the economy is not getting any better in the near future. Unemployment is still close to 8% and that’s pretty bad even though most believe that the number is actually a lot higher. Lately, the media has been beating the drum about the economy is recovering and everything is getting better. That is at least until the GDP number came out last week at a dismal decline of.1%. Corporations are shipping jobs offshore never to be returned. Over the holiday season many people optimistically looked to 2013 for a better year and started off with a typical New Year’s resolution to get their lives in order. Filing bankruptcy probably would have been one of the better New Year’s resolutions for many. But instead, most people want to lose weight, quit smoking but rarely does anyone decide to try budgeting to reduce their spending and take a bite out of their debt. Right about now, the resolutions start to dissolve as most Americans fall back into their comfortable life patterns so they don’t have to make any tough choices.As many people are starting to see, tough times are on the horizon for the United States and it’s going to take tough people to make the tough choices including filing bankruptcy. Making the decision to file for bankruptcy for many is a life-changing decision. Initially, many believe that if they file bankruptcy they will never get credit again. This is nothing more than a rumor as most people know the bankers want to get into everybody’s pockets at whatever means and they know an individual after filing bankruptcy is close to being debt free if not debt free. Bankers are opportunists and know that these people as long as they are employed are a pretty good risk because they cannot file again for eight years.Right now the average American has more than $16,000 in credit card debt and only makes about $35,000 a year. If you add a car payment, rent, food, clothes and utilities, this person whether they know it or not is on the verge of a bankruptcy filing. It’s foolish to think that that debt will ever be paid off outside of winning the lottery. The foolish person will continue to rob Peter to pay Paul until they lose everything. The tough person will make the tough choice and see that filing Chapter 7 bankruptcy will straighten this problem out and after a few years they will be able to rebuild their credit and get their lives back on track without that debt. In today’s credit driven world, an individual needs to make the decision of whether or not to file bankruptcy based on the understanding that if they had no credit, how would their life be? This is where people need to dig deep and stop believing the lie that you cannot live without credit. Our grandparents used to live without credit and during their generation it was a badge of honor to live a debt-free lifestyle.