It is time to face reality. Your bills have accumulated to the point at which it is impossible for you to pay them. This is not how things were supposed to work out. You are a hard-working and responsible person. But sometimes, that is not enough. Life circumstances interfere with the best laid plans and the purest of intentions. You may have lost your job through no fault of your own. You or someone you love may have taken ill. Any number of things can come together to ruin your financial standing.
If you feel like you are drowning in debt and there is no life preserver in sight, you need not give up hope. You should instead explore your options for bankruptcy. It is not as bad as you think. Declaring bankruptcy no longer carries the stigma it once did. Some of the most successful people in the world have declared bankruptcy on numerous occasions. And many ordinary people have been forced to do it owing to medical bills and other exigencies.
Chapter 7 is the most common type of bankruptcy for individuals. It allows you to dissolve your credit card debt, consumer loans, medical bills, and other types of loans and credit card bills. Hiring a chapter 7 attorney should be your first move. You need someone on your side with a thorough knowledge of bankruptcy law. Once you declare bankruptcy, your assets will be under the most intense scrutiny. You may be forced to give some of them up to satisfy your creditors. However, you should not be left destitute. Nor should you be forced to depart with items with a high personal value. A bankruptcy attorney will look after your interests. Such a professional will ensure that you are treated fairly and that you are given the chance to make a fresh start.
Declaring bankruptcy will release you from many things, including harassment by creditors. Once you have declared bankruptcy, they will be enjoined from trying to collect money from you. If you continue to receive harassing and threatening phone calls and emails, then you should contact your lawyer. You should also refer all further inquiries from creditors to your bankruptcy attorney. The latter will answer any questions they may have and clear up any confusion.
It is important to work with an experienced chapter 7 attorney. Your lawyer should give you an honest and detailed assessment of where you stand. They should always tell you the truth, and they should keep in constant communication with you about the details of your case. There should never be any surprises.
You have gone through a rough patch financially. It is not the end of the world. What you need now is a way to make a clean break from the past. Declaring bankruptcy can help you do just that. It is the easiest way to get your life back on track. Working with the right attorney will help you do so more quickly. It will ensure you are set on solid legal ground.
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