Don’t worry about the humiliation often associated with filing for bankruptcy and correctly, that’s the purpose of getting a “fresh start” is to stop self-blame and helplessness and give yourself a second chance. Most people contemplating filing bankruptcy are at the end of their rope and there’s little else they can do to right their economic ship.  But filing for bankruptcy isn’t the end of the world – it’s a new beginning, and in this era of financial crisis, rising unemployment and decreasing house values, it may be the best thing to do. The bottom line if filing personal bankruptcy will get you a fresh start and help you reestablish a healthy credit score sooner rather than later.  If conservative financial consultants are encouraging filing bankruptcy it’s obviously time to recognize that it has become the most acceptable and reasonable way to deal with a personal financial crisis.