So many times, consumers let their debts go too far, failing to admit they need help until it’s too late. The past due notice comes in the mail and are tossed aside because you don’t have the money to pay them. When instead, you should call the creditors and make payment arrangements. The bury your head in the sand technique will only work for so long before the sand castle comes crashing down.
When your sand castle of debt caves in around you, it’s time to admit you need help. Help could come to you in the form of a bankruptcy, which could help you avoid a Foreclosure in Fairfield Township. Be proactive and contact an attorney about your options. Look online, in the yellow pages or ask family and friends for a recommendation. Then, consult with an attorney about the different types of bankruptcy and how you can save your home and car.
Filing for bankruptcy is not admitting defeat, but rather admitting you need help. Why not take advantage of what is your legal right? Be it chapter 7 which will wipe out the debt and allow you to start over completely or chapter 13 which will re-structure your debt and allow you to pay off a portion of your debt to your creditors and keep your car and home, avoiding a foreclosure in Fairfield Township in many cases, a solution is out there to help you.
Make no mistake, filing for bankruptcy will not cure all your problems, as your personal habits will need to change, too. You cannot continue to toss aside bills, hoping the creditors will go away. You do need to make a budget and stick to it. Many bankruptcy courts require financial management classes as a part of the bankruptcy conditions. Don’t look at it in a negative light, but as one more tool, much like the bankruptcy itself, to keep financial disasters at bay.
A free consultation with several attorneys at Dean Snyder Attorney At Law will help you find one who sympathizes with your case, listens to your issues and can help you plan a strategy of attack. While there are fees associated with a bankruptcy, the future financial freedom will far outweigh the short-term costs. Don’t let the waves come crashing in on you, crashing your sand castle. Swim to shore and start anew.