Like gastric bypass surgery, bankruptcy can yield dramatic results in a short period of time and give you the ability to get where you need to be quickly.
Like surgery, it isn't for everyone and it can be painful.
Like surgery, bankruptcy can be life saving; financially life saving when you have debts you can't repay.
Most important, like gastric bypass surgery, bankruptcy is a tool for good short term success, but the long term success depends on the ability of the person to live on a healthy financial "diet".
If a person files for bankruptcy, but doesn't have a budget that is balanced, they stand a good chance of getting back into debt again. Therefore when someone takes the serious step of filing for Chapter 7 or Chapter 13 bankruptcy to get out of debt, it is important for their financial future that they take steps to stay out of debt. Think of the budget like a financial diet plan, crucial to your long term health.