Liz Weston observes that the mystery isn’t why so many people file for bankruptcy each year, it’s why more people don’t. Only a fraction of the Americans who could benefit financially from bankruptcy actually seek relief. Economists say some don’t file because collectors aren’t aggressively pursuing them, while others may strategically delay filing because bankruptcy could benefit them more down the road. Read her article to get beyond the fear and misperceptions and learn why bankruptcy may be your solution.

View Liz Weston’s entire Fear of bankruptcy holds too many people back article. Liz Weston is a columnist for personal finance website NerdWallet

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