As it happens sometimes, life can deal difficult times. We have seen this in the general economy and, especially during the 1980's, in the agricultural economy. When a farm operator, or any other business person, is unable to service all of the indebtedness associated with their business, he or she may face substantial pressure from creditors. This pressure eventually may take the form of legal action. One way that a farmer can respond to the pressure of creditors is to seek the protection of the Bankruptcy Code. Choosing this route is a very serious decision and can carry severe consequences.