Bankruptcy Filings Increase as More Americans Turn to Bankruptcy for a Fresh Start
Bankruptcy Filings Increase & Americans Are in “Crisis Mode”
A recent Newsweek article describes Americans as being in “crisis mode.” Rising prices, high interest rates, and mounting debt are pushing families across the country to the brink.
For many in Indiana and Kentucky, the numbers simply don’t add up anymore. Minimum payments go up, wages stay flat, and one unexpected expense can derail everything. If this sounds familiar, you’re not alone — and you’re not stuck. Bankruptcy exists to give honest people a way to reset and rebuild.
Bankruptcy Is a Tool — Not a Failure
At The Law Offices of Dax J. Miller, LLC, we talk to people every day who feel embarrassed about their debt. But bankruptcy isn’t about failure — it’s about using a federal law designed to protect people like you. It’s a structured way to get back on your feet when life happens: job loss, illness, inflation, divorce, or emergencies.
What Bankruptcy Can Do for You
- Stop wage garnishments and lawsuits
- Prevent repossessions or foreclosures
- Erase qualifying debts like credit cards or medical bills
- Protect your property under Indiana or Kentucky exemptions
- Let you sleep again without constant collection calls
Every case is different, but the goal is always the same: relief, control, and a clean slate.
Chapter 7 vs. Chapter 13 in Simple Terms
Chapter 7 — The Fresh Start Option
- Eliminates most unsecured debts (credit cards, medical bills)
- Usually completed in 4–6 months
- You keep essential property protected by exemptions
Chapter 13 — The Repayment Plan
- Stops foreclosure or repossession immediately
- Lets you repay overdue amounts over 3–5 years
- Can still eliminate part of your unsecured debt
Where Your Case Is Filed
If you live in Evansville, Newburgh, Washington, Indianapolis, Terre Haute, Louisville, Henderson, Owensboro or Bowling Green, or nearby areas, we can help.
Why People Choose Our Office
We make the process as easy and judgment-free as possible. We explain your options clearly, help with all paperwork, and prepare you for every step — so you never feel lost. Most clients tell us that the biggest relief came the moment they understood their options.
Take the First Step Toward Relief
If debt has taken over your life, you don’t have to wait. Bankruptcy isn’t about giving up — it’s about taking control. Let us help you understand what’s possible and how soon you can get back to living again.
📞 Schedule your free consultation today:
https://daxjmiller.com/contact
You are not a failure. You are someone who deserves a second chance — and we’re here to help you take it.
