If you are struggling financially, please know that help is available. You do not have to go through another spring and another summer with financial problems. Have you looked into filing bankruptcy? Have you looked into reorganizing under chapter 13? Have you explored all of your options to get out of this debt? If not, now is the perfect time.
With the start of spring, nature begins again. Just like spring, bankruptcy can be a new beginning financially. This new beginning starts with taking one step forward towards your goal. The very first thing that you should do is to contact a qualified bankruptcy attorney in your city or town. Go ahead and take the time to meet with an attorney and be interviewed. During the interview process, the attorney will explain to you which chapter is best, what debts can be eliminated, and what life can be like after bankruptcy. Until you have had that meeting, you really don’t know just what type of relief is available for you.
It may turn out the chapter 7 fresh start is the right chapter for you. Chapter 7 will eliminate most debts and you can keep most of your property provided you continue to make payments on those items. Alternatively, you may find out the chapter 13 is your best bet. Chapter 13 will allow you to save a home that’s in foreclosure, reorganize debt on a vehicle, and pay unsecured creditors often less than what’s owed. Once again, you must meet with an experienced bankruptcy attorney to find out your rights under the United States bankruptcy code. That is the best advice I can give you if you are struggling financially.
