If you're unsure whether bankruptcy is right for you, here are six signs that it might be time to consider it:

1. You're Only Making Minimum Payments
   If you're only able to make minimum payments on your credit cards, it may be a sign that your debt is spiraling out of control.
   

2. You're Using Credit to Cover Basic Expenses
   If you're relying on credit cards or loans to pay for necessities like food and rent, it’s a red flag that your financial situation needs intervention.
   

3. You're Facing Collection Actions
   If creditors are suing you, garnishing your wages, or threatening repossession or foreclosure, bankruptcy can put an immediate stop to these actions.
   

4. You’re Drowning in Medical Bills
   Medical debt is one of the top reasons people file for bankruptcy. If medical expenses are unmanageable, bankruptcy could help discharge them.
   

5. You’ve Tried Other Debt Solutions Without Success
   If you’ve explored debt consolidation or credit counseling but still can’t keep up with your payments, bankruptcy could offer the long-term solution you need.
   

6. Your Debt Is Affecting Your Mental and Emotional Health
   Constant worry about debt can cause stress, anxiety, and sleepless nights. Bankruptcy can help you regain peace of mind.