Please look at the list of statements below. If some of the statements describe your situation, you should consider talking to me to see if bankruptcy could be a solution for your debt problems:
- Debt is a source of distress for you or others in your family. You spend too much time thinking about your debt. And arguing about money with people you love.
- Bills are piling up faster than you can pay them. As time goes by, you fall further and further behind. You pay only the minimum payments on your credit card. At times, you skip credit card payments. You use cash advances on one credit card to make payments on another card.
- Collection agencies are calling you at home, at work, or both.
- Too much money from your loan and bill payments goes to interest and penalties. Each payment barely reduces the total amount you still owe, and it will be like this for many, many years.
- Your payments are more than 30 days behind on more than one bill.
- There are law suits pending against you.
- You live from paycheck to paycheck. You have no extra money to save for your children’s education or your own retirement. You take out payday loans. You always feel broke.
- You get unwanted, embarrassing phone calls at home and at work. Creditors and bill collectors constantly call and harass you for money.
- Creditors are threatening to sue you.
- Your total debt, not including your car or house loan, is more than you could possibly repay, even over five or more years.
- Your wages are being garnished or your bank accounts have been frozen.
- You’re afraid of losing your home to foreclosure.
- You desperately want to wipe out your debts and get some relief.