Personal bankruptcy is a good example of salvation that comes with a price. It can enable you to keep things that you might otherwise lose to foreclosure or repossession, like your home and your car. It can help you to get back on your feet financially by discharging debts. It can bring you peace of mind by stopping creditor lawsuits against you and ending collection agency attempts to relentlessly pursue you.
Yet despite its intended use as a means of last resort for those in financial trouble, bankruptcy is still used unnecessarily by some people. Sometimes an individual's financial and asset situation is such that there can be other ways to get out from under heavy debt burdens without the need to use bankruptcy. One such group of people are those who are referred to as, "judgment proof."