Unfortunately I see this mistake way too often; people try to put off the inevitable by borrowing from a 401(k) or cashing out their IRA in order to pay credit cards. You do not have to do that.
I find that it is better to address the underlying problem and save your retirement since Social Security may not be around when you need it. If it is around, you certainly will not receive enough to live on comfortably. So, before you reach for your retirement funds, you should learn how a Utah bankruptcy might benefit you. In Utah visit us at Law Office of Douglas Barrett, LLC