Debt can creep up on you before you realize it, as you find yourself unable to pay bills and falling behind on your mortgage or rent. It becomes a frustrating struggle when you see that your payments are going toward interest and late fees instead of the balance due. Doing the calculations, you may soon discover that your debt will take decades to pay off. It is wise to look into bankruptcy options if you are burdened with debt, but a big factor is how much it costs to file bankruptcy in CA. Every penny counts when you are trying to take control over your financial situation.