sions are very complex and should be done only after consulting an attorney. Chapter 12 (Family Farm) is designed to permit family farms to repay their debts over a period of time.Until we as consumers begin to educate ourselves and stop living beyond our means, we only have ourselves to blame. In conclusion, although consumers are not forced to buy, most feel compelled to purchase goods and services because they need them and do not want to wait. Rather than saving they go into debt, the most common of which is installment debt....
