Here’s a caption that frames bankruptcy as safe and contrasts it with other options — in plain language and your voice: ⸻ People think bankruptcy is the “scary” option… but it’s actually one of the safest. With debt consolidation, settlement programs, or just trying to juggle payments on your own, your creditors can still sue you at any time. Even if you’re paying faithfully, there’s no legal protection — they can come after your wages or bank account if they choose. Bankruptcy works differently