When Debt Hits the Fan: The Real Reasons People File Bankruptcy Audiobook By Ben Matthews cover art

When Debt Hits the Fan: The Real Reasons People File Bankruptcy

And Why It Might Be Smarter Than You Think

 Virtual Voice Sample
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When Debt Hits the Fan: The Real Reasons People File Bankruptcy

By: Ben Matthews
Narrated by: Virtual Voice
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This title uses virtual voice narration

Virtual voice is computer-generated narration for audiobooks.
America lives for a comeback.
We cheer for underdogs.
We love a second chance.
Or third. Or “holy crap, how’d they pull that off?”
But when it comes to money problems?
Suddenly, all that comeback energy disappears.
Instead of “you got this,” it’s “you should’ve budgeted better.”
Cue the shame. Cue the judgment. Cue the BS.

Let’s cut through the noise:
If you're drowning in debt, you are not a failure.
You’re in a system that hands out 29% interest like candy and then acts shocked when you can’t keep up.
And there is a way out.
It’s called bankruptcy.
And it’s not shady. It’s not a punishment.
It’s a tool—used by millions of people to hit reset and rebuild.

In When Debt Hits the Fan, we throw out the shame, kill the myths, and talk real:
✅ Why people really file
✅ Why debt consolidation isn't always your friend
✅ Why waiting too long can cost you everything
✅ And why filing bankruptcy might be the smartest move you ever make
And yeah—there are stories.
Real ones.
Messy, honest, hopeful stories from people who hit rock bottom, filed, and clawed their way back.

This isn’t a “pay off $100k in six months” fantasy.
It’s a flashlight for people stuck in the dark—because you deserve the truth, not more toxic positivity in a pastel font.



Ben Matthews is a consumer bankruptcy attorney based in South Carolina, where he’s spent years helping everyday people escape the crushing weight of debt and reclaim their peace of mind. As the founder of Benjamin R. Matthews & Associates, LLC, Ben has guided thousands through the bankruptcy process with compassion, clarity, and just enough sarcasm to make a stressful situation feel a little more human.
He’s also the host of the Debt Sucks Podcast, where he drops weekly truth bombs about money, mindset, and how to stop letting debt run your life. His signature style? Think less financial lecture, more real talk over coffee—with a side of spreadsheets.

Ben lives in South Carolina with his family, his coffee, and a deep commitment to helping people rebuild their lives.
If you’ve ever felt like you were drowning in debt with no one to throw you a rope—Ben wrote this book for you.
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