“I got through the great depression not owing anyone a dime but now in retirement I am hounded by collectors,” is a complaint I often hear from a senior citizen  contemplating bankruptcy. Since seniors may disproportionally worry about collections, there are two common justifications for senior no-asset bankruptcies but properly counseling a senior about bankruptcy requires special sensitivity. During the initial consultation and before getting to the justifications for a Chapter 7 or Chapter 13 consumer or business bankruptcy, I want ...