I do not think I have ever met anyone who had found themselves filing for bankruptcy but as an outsider, I sure do have a lot to say about it. Every threshold leads to the whole Universe and filing bankruptcy is a very accessible and valuable portal. We can talk about all kinds of lessons. I am most fascinated by basic laws of physics actually. The Dalai Lama wrote a book called the Universe is a Singe Atom. I have not looked at it. I have a lot of books that I have not read. They sit on my bookshelves holding their potential, inviting me, tempting me. I am tempted but it all takes time. Mostly the names penetrate me. My mind imagines what might be in there. If the whole Universe is one atom and we are part of that atom then our atom has a spot inside it called filing bankruptcy. It is just one of the things our Universe does. It runs out of a certain kind of energy, a void is created and a new energy fills the empty space. At least I imagine that is what happens. I am guessing filing for bankruptcy feels more like a black hole to you.