Based on recent statistical data, bankruptcy filings fell in 2012. The article has some interesting trends about bankruptcy filings including a state-by-state analysis. Filings in New Jersey Bankruptcy Court fell less than the national average. While the author does a good job in highlight some trends that show why there are fewer filings, the article is from a credit card provider and has some less than stellar advice for those facing mounting debt issues. As always, we advise anyone who is experiencing serious debt problems to consult an experienced New Jersey Bankruptcy Attorney. http://www.creditcards.com/credit-card-news/bankruptcy-14-percent-decline-1276.php?a_aid=9fc4cb60