Friends who aren't filing bankruptcy, or who aren't having trouble with their finances, often suggest to me that people who file bankruptcy deserve whatever they get; that they were "living beyond their means"; and that bankruptcy is their punishment.  But see below:  

http://www.google.com/hostednews/ap/article/ALeqM5idxi57Ot86QxfQNwVi8TeikucXBQD9IN27BO1?docId=D9IN27BO1

Often, bankruptcy is the result of life circumstances that are outside of our control, and yes, sometimes the cards, and the systems that were supposed to help, are stacked against us. 

If you don't need to file bankruptcy, or can find a way to settle with your creditors without filing, I congratulate you.  But sometimes, bankruptcy is the only solution, and you shouldn't feel guilty if you have no other choice.