If
 you’re struggling financially,
 you
 may
 be
 wondering
 not 
only 
if 
filing
 bankruptcy
 is
 a 
good
 option 
for
 you
 and your 
family,
 but
 how
 you
 will
 know
 when 
the
 time is right 
to seriously
 consider 
it. The 
American 
Bankruptcy
 Institute 
has provided
 a 
useful 
bankruptcy 
checklist 
for
 consumers
 and
 recommends
 that 
if
 three or more
…