People who declare bankruptcy and believe that in this way they are protected from creditors are finding that this is not necessarily so. Creditors do not automatically mark off a debt when a person declares bankruptcy. They file suit in 20 percent of the bankruptcy cases upon the basis of exceptions provided in the bankruptcy laws of the United States. In seven cases out of ten the creditors win. Creditors often pursue a person in one court after another if the person moves to different cities. The legal fees for defending himself can mount to the point where he may decide that it would be cheaper to pay the debt. Would it not be better to assure creditors that they will be paid and make payments regularly until the debts are erased?

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