Whether your business has been piling up unimaginable debts or you haven't been working for some time, you can use bankruptcy as an excuse to save your financial life and get a fresh start. This doesn't mean that you will get a magical solution to your financial problems — it only offers a second chance to get things in order.  Having a bankruptcy lawyer by your side will make things easier since you'll be getting help from someone who understands the ins and outs of bankruptcy law and the required procedures.