When financial affairs have spun out of control, filing bankruptcy is an option … but typically a last resort. Recent research published as ‘Graying of U.S. Bankruptcy: Fallout from Life in a Risk Society,’ reveals that a growing number of adults 65 and older are choosing bankruptcy as their best option. Professor Deborah Thorne is a principal investigator for the ‘Consumer Bankruptcy Project.’ Then we ask Helene Raynaud, of the non-profit Guidewell Financial Solutions, how to avoid monetary crisis and stress.