New Client - Bankruptcy

I met with a sweet couple today, Spanish speakers. They run their own business and have fallen prey to the downturn in the economy. Their credit cards are out of control and they have to file a bankruptcy case. It's not that they planned to avoid paying creditors. They believed all along that they would be making enough money to pay them eventually. The credit is pushed on these people and it is too easy. They don't have a reason NOT to do it. Now they feel guilty and they feel like bad people. I am going to help them through this and I am going to show them that we believe in giving people a second chance. It does no one any good to force these people to lose hope and to live their lives out paying a minimal amount month to month, never again able to see beyond their credit prison. More later on this...