Years ago, personal bankruptcy was considered by some to be a shameful last resort. In today’s economy, however, personal bankruptcy filings are no longer seen as a kiss of death to your credit. They have become an accepted last-ditch effort to organize your debt, and free you from years and years of making minimum payments that will never go away. If you or someone you know is in a painful mortgage situation, FL Prevention Services can help, learn how at PainfulPropertySolutions.com