Bankruptcy Attorney Lawyer
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DOES THE BANKRUPTCY COURT CARE HOW MY DEBTS CAME ABOUT OR WHAT I
TRIED TO DO TO HANDLE THEM? 

The answer is generally no.  The Bankruptcy Court does not care how much or how little you have sacrificed in order to pay your bills in the past.  While some people have made great sacrifices in order to try to pay bills in a hopeless situation, that is not a concern of the Bankruptcy Court.  Some people file bankruptcy when they are current with all their bills; but just have too much debt to continue paying on in the future.  Other people don't file bankruptcy until they have creditors threatening them, suing them, or even garnishing their wages.   

The Bankruptcy Court does not make you justify or explain how you got your debts.  The only issue is whether you owe more than you can afford to pay, based upon your current income.  The only real exception is if you are trying to wipe out certain debts that were created by fraud or something like that.  If bankruptcy is appropriate for you, no one is going to judge whether you have suffered enough, or whether you need to suffer more.  That is simply not the issue in Bankruptcy Court.