When you think of bankruptcy, what comes to mind? Is it financial salvation? Probably not. More than likely, thoughts of overwhelming debt and wondering how you will recover from this financial pitfall without descending into financial ruin are filling your mind....

Fresh out of graduate school, you found work in your field. But this is, after all, the gig economy. Your job is as a contractor, and you do not benefit from all the perks that full-time employees get. For example, no health benefits. But this may be the least of your...