Bankruptcies are last resorts, plain and simple. They are grueling, tiring, and costly; however they do work if you do them the right way and the right time.
Filing for bankruptcy is fairly straightforward, you will need to undergo credit counseling [you may even find free counseling that will qualify], and it is recommended that you enlist the services of a bankruptcy attorney.
So when do you know that you should file for bankruptcy? I recommend talking to a financial advisor. You may have to pay 300 dollars for a 2 hour meeting, but the meeting should change your life for the better. Make sure to be completely upfront with him/her and to bring as many financial documents as you can garner up.
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Go over all of your options. Is your problem just with your mortgage? Then consider a foreclosure or short sale. Is your problem just with unsecured credit card debt? Give your creditors a call instead of dodging their calls. Talk to them, be honest, try to negotiate your interest rates. A free 20 minute phone call could forever change your life.
Make sure that you have a budget. See exactly how much you are taking in monthly and where the money is going. You would be surprised to learn that 200-400 dollars seems to just disappear because of silly impulsive purchases that you will forget about the next day.
If you have talked to a financial advisor, you have reviewed all of your options and you have created a monthly budget and a bankruptcy still seems like your best option then you have my blessing to go through with the case.
Is Bankruptcy Right For You? Talk to Bankruptcy Attorneys Free and Confidential. Licensed bankruptcy attorneys are available. Attorneys will call you to discuss your case for free. Find out if bankruptcy is right for your situation.
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