Stone Law Firm LLC in Irmo, SC

BRIAN RACZ asked a question

IF I AM EMPLOYED AND CURRENTLY PAYING MY BILLS ON TIME, AM I ALLOWED TO DECLARE BANKRUPTCY UNDER THE LAW? I AM BASICALLY IN A SITUATION OF SEEING A SHIP ABOUT TO HIT AN ICEBERG UNABLE TO DO ANYTHING TO CHANGE THE SITUATION.
I HAVE CHECKED SOME PLACES THAT OFFER DEBT REDUCTION/FORGIVENESS, AND CUT BACK ON AS MUCH MONTHLY EXPENSE AS I CAN, BUT I'M STILL BASICALLY TRYING TO OUTRUN A TRAIN ON A WEEKLY BASIS. THE DEBT REDUCTION PLANS WOULD NOT APPLY IN MY CASE BECAUSE ONE HOLDOUT (CITIBANK) DOES NOT PARTICIPATE IN ANY DEBT REDUCTION SCHEMES. THEY ARE THE ONE "PAY ME OR DECLARE BANKRUPTCY" FLY IN THE OINTMENT OF THE DEBT REDUCTION PLAN.
I AM IN THE SITUATION OF NEEDING TO USE THE CREDIT CARD COMPANY'S PAPER CHECKS THAT ARE SENT IN THE MAIL PROMOTIONALLY FROM TIME TO GET BILLS PAID, WHICH ARE EFFECTIVELY PUTTING ME INTO MORE DEBT.
BUT, AS I MENTIONED EARLIER, I'M STILL PAYING ON TIME ON A WEEK TO WEEK BASIS.
IF YOU COULD HELP ME OR SUGGEST ANYTHING THAT WOULD FIX THIS I WOULD BE VERY GRATEFUL.