No sympathy for the small business owners who used credit cards to underwrite a business venture. One clear rule on starting and running a small business has always been: Never, ever finance it with a credit card. If you don?t have the capital or are eligible to borrow money and personal finance with a business loan, then you need to reconsider your business plan.
Bankruptcy is meant for people with unexpected expenses such as medical bills, financial disasters that are not of their own making, for instance a house catches fire, an automobile accident or some other unforeseen event not of your own making. Not because you were living beyond your means or disregarding tried and true practices of finance. Another clear rule is having savings and a backup plan if you become unemployed.
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