Is Bankruptcy a morally responsible debt treatment alternative?

Not paying what you owe is generally wrong. Does the Christian faith allow it? Generally, if no other alternative exists to eradicate the disease, bankruptcy is an acceptable and morally responsible debt treatment.

Ask your minister or other counselor if there is ever a doubt about whether this is acceptable for you.

Obviously, we are in the business of helping you prepare a bankruptcy and so you may view our position on this as suspect. So, we offer a few discussions we found from sources generally believed to be reputable.

Christian Courier (
“In conclusion, it is possible that, under certain dire circumstances, the child of God might be able to utilizethe temporary protection of the bankruptcy code. He must be sure, however, that he does not abuse his creditors, and that he makes a diligent and honest effort to take care of his financial obligations — even should such require a protracted period of time.” (Read the article.)

Christianity Today (
Dave Ramsey, financial guru, discusses bankruptcy. The question is, are you truly bankrupt? Determining this is the job of credit counseling agency. (Read the article.)

BKForum (
A forum discussion on bankruptcy and religious values. (Read the article.)

Politics and Christianity (
“Perhaps it is due to my experience as a pastor’s wife, but it is hard for me to say that filing bankruptcy is always immoral.” (Read the article.)

Remember, that most all of America’s founding fathers were Christians who relied on their faith-born wisdom to guide them in writing our Constitution. They understood the necessity of bankruptcy protection even in a Christian life and required that it be made available for all of us.

The Congress shall have Power … To establish an uniform Rule of Naturalization, and uniform Laws on the subject of Bankruptcies throughout the United States; – U. S. Constitution, Art. 1, Sec. 8, Para. 4

Even though bankruptcy laws were not formulated for several years afterward, bankruptcy protection has been the law of our country since 1789. Our founders realized the impact of unmanageable debt and demanded, in the Constitution, that the Legislature enact a uniform set of Bankruptcy laws to deal with its effects.

We are the beneficiaries of their foresight today.


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