Only you can answer this question.  Here are some of the warning signs that it may be time to file:  

1)    You are struggling to make rent or mortgage payments;

2)    You are constantly stressed and losing sleep over unpaid bills;

3)    You experience health related problems because of financial struggles;

4)    You have noticed changes in your normal behavior.  For example, you are willing to take unnecessary risks, or you have turned to drinking or gambling to escape your problems;

5)    You are engaging in a credit card balance transfer shuffle; you continuously transfer credit card balances to lower interest rate credit card. 

If any of these describe you, consider making an appointment with a bankruptcy attorney.

Call us for your free initial consultations.  We will provide you with the knowledge that will empower you to make the right choice.