I talk to people all the time who do not want to talk about bankruptcy until absolutely necessary. While this feeling is understandable, getting good advice early can protect assets and help achieve a much better outcome whether bankruptcy is right for you or not. Remember, you don’t have to file a case in order to become informed!
Here are some common scenarios where I recommend seeking advice:
You are borrowing money from a credit card to pay another debt.
You are current on your debts but going without life essentials to do it.
You are living off savings, and realize your savings might run out (do not wait until you don’t have anything left to seek help!).
You have fallen behind on house or car payments.
You have lost your job or had your pay cut back.
You have defaulted on credit card payments.
You own a business which is failing.
I would be happy to speak with you during a free, initial consultation if any of these circumstances apply to you.
