Although there is no simple equation that would allow borrowers to see if bankruptcy protection is a right fit for their families, a consumer who is struggling to provide the minimum monthly credit card payments from own b &  at least see what other options are available. Moreover, the debtor who looked at the overall bill with a realistic and clear eyes only to discover that their internal capacities for gross income in the coming years, the family and cost of living benefit obligations would not permit the elimination of the total debt load to obtain professional services now available in all islands. While the authors appreciate that many of the hardworking men and women in will do everything possible to repay  legitimately signed in good and bad, wait until the end in the vain hope that something mysterious relief fr crushing financial burden will end only in the hearts of pain and household economic instability. Like it or not, consumer credit is a reality in most of the world through the United States, and that’s why America F