Bankruptcy - Given these uncertain economic times, many hard working people have fallen behind in their bills through no fault of their own: job lay-offs, illness or hospitalization, harsh mortgage payment terms often push many over the financial brink. Bankruptcy is not an end but often a path to a new beginning. Chapters 7 and 13 Bankruptcies often provide financial relief to individuals in a bind. Let David A. Bowen, Attorney at Law be your counsel and guide as you navigate troubled financial waters.