Declaring bankruptcy is not an easy choice. But for individuals in dire financial straits, it can prove a welcome option.

If you’d like to learn more about bankruptcy, a couple of good workbooks are available on the topic. Here are a few titles:

¢ “Chapter 13 Bankruptcy; Repay Your Debts” (8th Ed., by Stephen Elias and Robin Leonard, Nolo Press, 2006) includes how to pay for certain debts, developing a payment plan and state and federal bankruptcy forms.

¢ “How to File for Chapter 7 Bankruptcy” (13th Ed., by Stephen Elias and Robin Leonard, Nolo Press, 2006) explains bankruptcy eligibility and filing, and canceling debt.

¢ “The Complete Personal Bankruptcy Guide”(by Ed-ward A. Haman, Sphinx Pub., 2006) discusses property protection during bankruptcy, coping with creditors and rebuilding finances.

¢ “Personal Bankruptcy Simplified” (by Daniel Sitarz, Nova, 2006) offers insights on canceling major debt, dealing with creditors and bankruptcy court.