Bankruptcy can’t write off criminal fines or restitution. But it can help in other crucial ways.
Debts related to alleged criminal behavior generally can’t be written of in bankruptcy. But bankruptcy can often still help.
The trend of reduced cost increases should at least partially continue even as the economy improves. But it’s a different story for your personal budget.
Health care costs have been rising more slowly. Although this is partly tied to the poor economy, some of the change appears to be more long lasting.