Personal bankruptcy is often times seen as a step that may limit your professional and personal life, but this is always the case. Just the thought of contacting a San Diego bankruptcy attorney can send some people into the depths of depression, but it doesn't have to feel that way. Personal bankruptcy can result from any number of circumstances; financial mismanagement, poor investments, job loss, divorce and out of control spending. While personal bankruptcy is a serious matter that may contain long-term effects, it is also an acceptance of your financial situation and declaration of your debts. Personal bankruptcy is a step towards healing your financial problems. It's not a pleasant thought, but sometimes filing personal bankruptcy is your best choice and the first step into regaining control of your financial future. The first step is to consult with a qualified San Diego bankruptcy attorney who will help you determine if filing Chapter 7 or Chapter 13 is right for you. Chapter 7 is usually the most attractive choice for those looking into personal bankruptcy for a few reasons. One reason being that when the personal bankruptcy process is completed, most people will walk away with a fresh start and a clean slate. Your San Diego bankruptcy attorney will be able to counsel you on which type of personal bankruptcy is suitable for your circumstance. Filing for personal bankruptcy does not have to be complicated if you take the time to educate yourself on the ins and outs of the entire process. You will most likely want to hire a San Diego bankruptcy attorney that can help guide you through the step by step process of personal bankruptcy. Having a San Diego bankruptcy attorney in your corner will help to will ensure everything will go smoothly and you will have a successful outcome. No one should feel humiliated or embarrassed when facing the prospect of filing for personal bankruptcy. The personal bankruptcy laws were designed to allow individuals a fresh start on their path to financial recovery.