As the Government shut-down continues with no clear end in sight, as our elected officials play a disgraceful game of chicken with our collective financial futures, as the stock market takes a nose-dive and as massive layoffs in the government and private sectors loom over us, it struck me that we, as individuals, really have little control over our own financial security. After all, who "plans" for a government shutdown?
The ways people find themselves financially strapped are legion - and it does not usually require or even involve, an impasse between Congress and the Executive. To weather hard times, many resorted to increased mortgages, loans, or credit cards hoping to repay them over time. Others have become captive to student loans. Still others have been surprised by unexpected, and uninsured medical expenses. Regardless of the reasons, the result is always the same: sleepless nights, harassing phone calls from unsympathetic creditors, frustration, embarrassment and panic.
Those in financial straits all share the same characteristic: fear. Like a leaf floating downstream caught in random currents, lives seem out of control and at the whim of some unknown and unknowable force. Jobs, livelihood, and financial security have all been compromised without any obvious way out. The fact is that financial fear, just like fear generally, stifles clear thinking. Fear causes people to hesitate and waver - nothing gets done about the problem. The only way to beat fear is with knowledge, in this case by talking to someone with the expertise and experience to calmly analyze the situation using objective eyes.
Bankruptcy offers a "fresh start", the chance to move on and start again. In modern language, this is the chance to "reboot" one's financial situation. Bankruptcy attorneys have the knowledge, the expertise and the experience to look at your financial problems objectively and help you find a way out. Responsible and professional bankruptcy attorneys like those at the Law Offices of David A. Tilem will tell you whether you really need to file bankruptcy or if you can solve the financial problems through less drastic ways. If you need to file bankruptcy, remember that you are not alone. Millions have filed personal bankruptcy over the last few years. Businesses use bankruptcy to restructure and sometimes reduce their debts.
You may spend an hour learning that bankruptcy is not for you. For more experienced bankruptcy attorneys, you will pay a modest consultation fee. What is the potential cost of not exploring your options?
No Comments
Leave a comment