CAUSES OF BANKRUPTCY;WHEN DID YOU FIRST HAVE DIFFICULTY PAYING YOUR DEBTS?the currency is too low which i needed to send more money for my kids in abroad to be able for them to meet their needs in everyday living.foods,bills etc. are continously getting high which my salary is not enough anymore for this....WHAT DO YOU THINK ARE THE REASONS FOR YOU NOT HAVING ENOUHG MONEY TO PAY YOUR DEBTS? i was in DMP for over 2 years but because of growing expenses for everyday living,i commited to used my credit cards again.i was adviced by the dmp for the 2nd time to go for bankruptcy which i think is the best option for me because i got nothing left anymore after all enpenditures.my salary is just passing by into my account,after paying rent,bills,foods and others i got nothing left and also end up of being charged by the bank because of theres no fund in it....is this reasons alright?any advice please..