Most people who decide to file bankruptcy feel they have failed. The decision to consult with a
bankruptcy attorney is a tough decision and many feel they are financial failures; some go so far
as to consider themselves general life failures.

Every financial trauma is the result of an individual set of facts. No two cases are the same.

What is the same in every case, is that there is an inescapable downward financial situation and
the cure, a new financial life or fresh start, is found in the bankruptcy rules and codes.

The first step in the fresh start journey is seeking help (retaining an attorney). Many believe
once they have retained an attorney their financial trauma is over and desire an immediate fresh
start. Frustration sets in with the realization documents and information are necessary to prepare
an accurate and truthful bankruptcy petition. The process of gathering, obtaining and providing
the information that caused the downward financial condition is akin to reliving the downward
financial circumstances and is traumatic. Everyone handles the stress of information and
document gathering differently.

A short discussion on the similarities of bankruptcy relief and born again relief:

  1. There is a problem, whether it is financial or sin.
  2. There is a realization of the problem.
  3. There is a desire for relief.
  4. There is a realization the change is only possible with the help of a bankruptcy case or
  5. There is a set of rules and codes or the Word.
  6. Change requires complying with the rules and codes or the Word.
  7. Following the rules and codes or the Word results in a fresh start or Life.

The Bankruptcy Rules and Codes were created to prevent ‘debtors’ prisons.
Jesus came to set the captives free, to prevent death caused by sin.

The Bankruptcy Rules and Codes promise a fresh start for the honest but unfortunate debtor.
Jesus promises His followers trials, but to the faithful, His yoke is light and He offers His peace
so that our joy may be full.

A short discussion on the stress of document and information gathering:

  1. Make two checklists – daily.

Worry and stress are the heaviest burdens of a trial and exist in our thoughts; mind and heart, the
rest of the activities of the trial are the items that require hands and feet. A downward financial
condition is indeed a trial and an opportunity to grow in trust in our provider. Make time for an
early morning daily conference with the Lord to discuss the details of your trial. During the
daily conference create two checklists. One checklist is the tasks that requires hands and feet to
accomplish; one checklist is your worry and stress in your thoughts, mind and heart. Your
checklist is the ‘hands and feet’ checklist and His is the ‘worry and stress’ checklist. Work
together daily with Him and the Holy Spirit to hear hints and suggestions to make it easier for
you to accomplish your checklist. Any time you feel the need to move your worry and stress
back to your checklist, first, check to see if your checklist for the day is done. Remember your
worry and stress was moved over to His checklist to allow you to focus on and accomplish your

2. Let these words strengthen your resolve:

“That which was from the beginning, which we have heard, which we have seen with our eyes,
which we have looked upon, and our hands have handled, concerning the Word of life – the life
was manifested, and we have seen. And bear witness, and declare to you that eternal life which
was with the Father and was manifested to us – that which we have seen and heard we declare to
you, that you also may have fellowship with us; and truly our fellowship is with the Father and
with His Son Jesus Christ. And these things we write to you that your joy may be full. 1 John
1:1 – 4. In the beginning was the Word, and the Word was with God, and the Word was God.
John 1:1. In the beginning God created the heavens and the earth. Genesis 1:1

3. Jesus came to give us life, the Word, and eternal life.

He was there at the beginning and with the Father and Holy Spirit, is our creator and provider.

4. Jesus came to give us fellowship.

Fellowship that comes from knowing Him, and through Him the Father and by His sacrifice, the
Holy Spirit. This is the koinonia fellowship that is powerful, that gives us mercy and
relationships that sharpen and strengthen us; vertical and horizontal koinonia. When the vertical
koinonia is weak, the horizontal koinonia is weak.

5. God is not meditating, to busy, away on a journey, or too tired for us.

Remember and take joy in Elijah’s Mount Carmel Victory, 1 Kings 18: 20 – 39, where Elijah
challenged the 450 Prophets of Idol Worshipers to a fire showdown. When the 450 Prophets
failed, with all their attempts for hours calling on their gods to light a fire, Elijah mocked them
saying “Cry aloud, for he is a god; either he is meditating, or his is busy, or he is on a journey, or
perhaps he is sleeping and must be awakened.” When Elijah prepared the alter for the Lord to
send down fire, Elijah dug and filled trenches with water and doused the sacrifice three times
with water and God brought down fire.

6. The amount of trust you have in Him shows in how you walk through a trial.

Your walk is a witness to the world and shows how big you know God is or how small you think
God is. God loved you so much He gave His only Son so that you would have life. Jesus’s
sacrifice tore the veil and we now have direct communication to the Father, through the Son and
a constant companion, the Holy Spirit. God desires to commune with you, so take advantage of
His offer of help, strengthen, and protect you. We have armies of angels in chariots of fire
protecting us which we can see when our eyes are opened. 2 Kings 6:17

7. Jesus came that our joy may be full.

Our joy is full when we rest in His peace. Happiness can go up and down, the same as finances,
but joy, true joy, remains even through a trial. Jesus is the true vine, the Father is the
vinedresser, every branch that bears fruit He prunes that it may bear more fruit, the branch
cannot bear fruit of itself, unless it abides in the vine. John 15: 1 – 4 paraphrased. Let His joy
and peace carry you through your financial trial (pruning). Remember, this is the day that the
Lord has made, I will rejoice and be glad in it. Psalm 118:24. You can rejoice and be glad, even
through your trial, when you trust in Him.

My purpose is writing this is to help you achieve your fresh start, strengthen your walk through
this trial with His peace and fullness of joy so that you may have vertical and horizontal koinonia
and the information you provide to the Bankruptcy Court is accurate and truthful. Please use the
information provided to help you through this process.