Bankruptcy laws have changed tremendously in recent years. They also differ substantially from one State to another within the United States and Federal laws also affect the outcome of your Bankruptcy proceedings. It is absolutely essential that you speak with a licensed attorney about your particular circumstances when considering any form of Bankruptcy Protection. This article is not intended to give legal advice of any kind. In fact, the purpose of this article is to raise some of the issues that you may want to discuss with your attorney in order to facilitate a better relationship as you move forward toward financial recovery.