Across Wisconsin, residents just like you consider filing for bankruptcy every year. In these trying economic times, it's not difficult for people to get in over their heads, especially with medical debts being such an epidemic problem recently. After you get back on your feet, one of the things you will want to focus on during recovery is learning how to keep yourself from falling into debt again.
FindLaw has a number of tips that you can use to avoid falling into debt. A few of them involve reformatting your spending habits, such as paying with cash whenever you can or avoiding purchases that lean on things like "interest-free financing", which can simply delay debt.
Credit cards in general are considered a bit of a risk. They suggest that you avoid having more than two at any given time, as well as avoiding certain types like ones that have no grace period. Credit card purchases should also be carefully monitored.
There are also tips for money management in general, such as keeping a close eye on your bank account to avoid overdraft charges, late fees, and other damages. And when you have no choice but to pull out a loan, do plenty of research and go for the lender with the lowest interest rate.
Of course, financial issues can be somewhat unpredictable and can result in surprising problems for you without warning. For this reason, you may also benefit from the counsel of a legal professional who can help you navigate through debt, bankruptcy, and recovery.