Having more bills than you can afford to pay can be frustrating. Most people in your situation didn’t get that way because they went on spending sprees or were irresponsible with their credit. Like you, many of them paid their bills on time until a significant event happened that threw them off track financially. In today’s economy, job loss or a medical crisis can be devastating to a person’s credit. A Hagerstown MD Bankruptcy Lawyer can explain your options for getting bank on your feet.