If you aren't discipline you may want to reconsider a balance transfer.
Filing for bankruptcy is not the end of the world. There are so many individuals who are faced with this situation across the nation. Per the US courts system as of March 2015, the filings have decreased overall in the last 5-6 years.
Do you wonder why you are not able to make ends meet? Is your paycheck gone before you cash it? The following may give you an insight on what you are doing, or not, with your money.
Now you can stop making an excuse and begin saving for retirement! The government is making sure you are able to put money away toward your future.