There were a series of television commercials a few years ago that centered on the theme, “Life comes at you fast.” And when it comes to personal finances, this can certainly be true. An unexpected serious injury or illness, or a divorce, or the unexpected loss of employment can quickly capsize one’s ability to stay within a budget or even to pay for fundamental things like one’s car or even one’s home.
If this has happened to you, then you may already be familiar with the grinding stress that can ensue when the bills start piling up, when it seems that all you and your spouse can talk about is which utility service payment to juggle this month.
Going through financial difficulties does not make you a bad person and the law recognizes that often through no fault of your own you can find yourself in a financial predicament that no matter how hard you try, you cannot extricate yourself from even after you have attempted to negotiate with your creditors on your own. Personal bankruptcy, while it should not necessarily be your first option in such a situation, is available to help you if necessary.
Still, if you have reached the point where you are contemplating bankruptcy, it can come with stresses and emotional strains of its own if you don’t know how to undertake it on your own. Bankruptcy laws can be complex. They can require you to make choices that can have a tremendous impact on your assets, your credit rating, and even your personal relationships.
The good news is you do not have to contemplate bankruptcy on your own. Our experience in bankruptcy law makes our law firm well-suited to assist you to navigate the process from beginning to end, starting with a consultation to help you decide whether bankruptcy is really right for you, through consideration of which type of bankruptcy may best fit your unique situation, to being your advocate when it comes to standing between you, your creditors and the court.
You may have many questions about bankruptcy. Our webpage can be a good place to start in finding answers to them.
