Personal bankruptcy is an effective solution to debt problems. If you are a natural non-business person and you are so-called over-indebted, i.e. you have a large number of consumer loans, then you can use the institute of personal bankruptcy. Personal bankruptcy, also sometimes called judicial discharge, allows you to get rid of most of your debts. For a successful personal bankruptcy, it is advisable to use the advice of experts, specialists in debt relief through personal bankruptcy. Personal bankruptcy will allow you to start a new life without debts and without worries.