Rachel Kaylie knows that regardless of the state of the economy, people experience economic hardship for a variety of reasons: divorce, medical care, unemployment/underemployment, loss of a business, family obligations, and so on. The bankruptcy laws were enacted to protect everyone because no one is immune from life’s unexpected unfortunate circumstances. It is with this idea in mind that Ms. Kaylie treats her clients with understanding as she handles each client’s bankruptcy filing, whether it be a Chapter 7 liquidation or a Chapter 13 repayment plan.