While Bankruptcy Services are much needed entities, one must wonder if they are overused. In the mentality of “Live for Today” spending philosophy many comsumers ascribe, there is a failure to recognize a day in which accounts will be settled. Following the path of least resistence, when faced with the prospect of working 3 jobs to pay bills, an easy Consumer out is to approach a Bankruptcy Service for support. The worst happenstance for these companies is for Consumers to live within their means.