The New Jersey bankruptcy law, Pennsylvania bankruptcy law, and Delaware bankruptcy law is a consumer protection law. It is a federal process which allows you to have your qualifying debts forgiven. The law recognizes that bad things can happen to good people, and sometimes you simply do not have the ability to comply with your creditor’s repayment demands.
According to Epiq System, a database of federal bankruptcy records, in 2010, 1.55 million bankruptcy filings were recorded and in 2011, there were about 1.37 million bankruptcy filings. 
As a consumer, you may be facing a circumstance that is beyond your control and it can only be relieved through the discharge of debts. There is no shame in filing bankruptcy. Filing bankruptcy means you will be alleviated of certain debts and can begin with a “fresh start”.