Let’s face it; we are not getting any younger and that means we have less time to save for the future. If your working career is consumed with repaying your debts, how will you save for your retirement or your children’s college fund? It is time to face the music, get out of debt and start saving. A chapter 7 bankruptcy discharges or wipes away most unsecured debts such as credit cards and medical bills and provides for a financial fresh start. Begin your New Year by seeking advice from a bankruptcy lawyer and become financially independent.