Bankruptcy: To be or not to be

So. Lots has happened. Most for the worse… but that’s the usual, so I guess not much has happened, in a way.

Does anyone have legitimate experience with bankruptcy or financial difficulty? I’m finding it IMPOSSIBLE to figure all this crap out because there is a wealth of information, most irrelevant and nearly all spam. I am not at a point where I can pay for advice (who is when it comes to this?!) and especially when most of it is spam.

There’s gotta be REAL people out there who go through the same kinds of experience. So, where are you?

Obviously, this is a rather vague request, but I don’t know where to turn or who to divulge information to and I’m dying here. Have you dealt with financial difficulty? Where did you turn?

SPAMMERS NEED NOT APPLY