When you go through bankruptcy for the first time, you’re stepping into the unknown. Even with excellent attorneys to help you, you might get anxious about some of the formal-sounding terms, processes, and documents that you encounter on a daily basis.

During the holiday season, it’s easy to get into a generous spirit. You buy presents, host big parties and dinners, and travel to visit faraway relatives. But like a hangover, the bills that you see a few days after the holidays might make you wish the holidays never happened.