According to the Denton Record-Chronicle, The Denton City Council “is poised to adopt a $28 million budget for 2009-10, a figure that represents about 3 percent less in expenditures overall compared to the adopted 2008-09 budget.”  The City of Denton re-negotiated its health care insurance which resulted in savings of about $364,000 and chose not to fill two vacated law enforcement positions… hoping that the streets will be as safe with two less officers and that the health care for their employees will be the same

The recession has forced everyone to make tough decisions.  Like Denton, some are raising deductibles on insurance to get rate breaks.   The caution is that if you have an accident you will have to pay more.  Without your car, you may also be risking your job.

Everyone is cutting back, but before you put yourself at further risk with extreme cuts, explore all of your options.  Bankruptcy may be the better option because it is a long term fix, not a temporary trick.  To know if bankruptcy is the best option for you, contact a qualified bankruptcy attorney.  They will walk you through the process so that you have the information to make the safest decision for you and your family.