Struggling with finances—and I mean really struggling, to the point
that you’re yelling or crying every day—is no way to live
your life. However, when weighing the pros and cons of bankruptcy, many
people don’t take into account the emotional and psychological benefits.
Take stock of your life and ask yourself if you feel any of the following:
If you’re experiencing any of the above, you owe it to yourself to
at least speak with a bankruptcy attorney. I hate to see clients suffering
over debt, especially when the law provides relief.
Chapter 7 bankruptcy stops creditor harassment and collections. Most filers are considered
“no asset” cases, which means the property you own is well
within the legal exemption limits and you won’t lose your home,
car, clothing, work tools, and other belongings you need to live a normal
life. Best of all, it usually takes only a few months for burdensome debt
to be discharged in a Chapter 7 bankruptcy (except certain non-dischargeable debt).
The elimination of these financial worries can make a huge difference in
your outlook on life. Bankruptcy doesn’t make you a bad person.
It can give you a much-needed sigh of relief and take the weight of the
world off your shoulders. Your life and your time with family and friends
are precious. Don’t waste them over something as small (in the big
picture) as debt.
If you’re struggling, please feel free to call my office to discuss
your options. Call Southbay Bankruptcy today at (619) 458-3739 to schedule
a free consultation.