The United States Bankruptcy Law is designed to give people the benefit of a fresh start by discharging most debts. Filing for bankruptcy; however, is not the only solution to your financial troubles – there are alternatives.People encounter financial difficulties for many reasons, not always of their own making, from an unexpected illness to a sudden job loss, divorce or gambling, student loans. Whatever the reason, many people feel overwhelmed, helpless, and alone.Ruthless bill collectors and the threat of foreclosure can make a tough situation even tougher. Although not the only solution to your financial difficulties, filing for bankruptcy does allow you to get a fresh start.