text: do you think that individuals who file bankruptcy or are over their head in debt are immoral? do you think that individuals who have credit cards, but can not pay more than the minimum payments (which means they can not pay back that debt) or all individuals who have ever filed bankruptcy are immoral? interesting question here. just curious what others think? immoral? filing for bankruptcy was the hardest thing i ever did. people get into debt for various reasons - divorce, illness, poor money management, easy access to credit and numerous other reasons. filing for bankruptcy involves quite a bit more than walking into a trustee's office and signing some papers. sometimes life doesn't go according to your plans and filing for bankruptcy is usually a last resort, not a question of morality. it's not "taking the easy way out" at all. why morality would even enter into decision to claim bankruptcy is beyond me. how easy it is to judge someone in that position; just hope it doesn't happen to you one day.