Bankruptcy Question............

I have a prospect that came to me for help. In a pile of debt & behind, 2 kids in college, overwhelmed. No way to dig out as a single parent, as current income (or future potential income) can't support it. Has consulted a BK attorney, and exploring the idea.

I have reviewed all the info and immediately 2 things I noticed, no life insurance, and no retirement. Cashed retirement out a while back to try and get caught up. Obviously if decides to declare, in hindsight that may have been a bad decision - but it is what it is.

So... is it unethical to suggest the purchase of some LI prior t
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