Recently, people who reside in East Tennessee have felt the strains of economic uncertainty and personal debt shock. No one can predict what comes next. No amount of forecasting or analysis will completely tell the story of the recent economic collapse. However, the resolve and ingenuity of consumers in East Tennessee will allow us to fare well in troubled times. The filing of a bankruptcy is a decision that should not be taken lightly, nor should it be considered a quick fix. Bankruptcy results in a reformation and is really about the financial freedom to avoid the less successful products of financial distress such as foreclosure, repossession, lack of housing, unemployment and divorce . In essence, a bankruptcy can be seen as a prescription for financial remedy far better suited for the economic status we in East Tennessee are knee deep in.