Is Bankruptcy Right for You?
There are warning signs that bankruptcy may be right for you:
- Are you robbing Peter to pay Paul?
- Are your creditors threatening lawsuits, home foreclosure or repossession of your car?
- Have you experienced a dramatic drop in income from job loss, illness or disability?
- Are you using one credit card to pay off another?
- Do you only pay the minimum on your credit cards?
- Are you losing sleep at night or worrying during the day about your financial situation?
- Do you have to sacrifice basic necessities just to make ends meet?
- Are you frequently paying bills late?
- Are your wages in jeopardy of being garnished?
- Have you gone through a divorce resulting in decreased income and increased expenses?
- Do you owe taxes that you cannot pay off?
- Are you heavily in debt with little prospect of paying it off in the near future?
- Are you not able to save for your retirement or your children's education?
If You Answered yes, You Are not Alone
Many good people have answered yes to at least one of the above questions, people just like you. Many good people have filed Chapter 7 or Chapter 13 to overcome debt. You can too.
Federal bankruptcy laws are designed to assist working-class Americans who try to pay their bills, but nevertheless find themselves in financial trouble. In today's uncertain economy, many people incur debts they cannot repay for a variety of reasons that are out of their control. An unexpected layoff or other loss of income may leave you unable to pay your bills on time. A medical emergency, work injury or prolonged illness can be devastating even to those with an above-average income. A divorce, which leaves one spouse with more bills and less income, may trigger a downward financial spiral. Even a natural disaster can quickly wipe out your savings and put you in financial crisis.
Bankruptcy laws are one way society recognizes that sometimes bad things happen to good people. Credit card companies and other creditors look out for their own interests, and you have to look out for yours. When good people have serious financial problems, they owe it to themselves and their families to consider bankruptcy.
If You Answered yes, Contact Us Today
Doing nothing will just prolong the situation. In many instances, people contact an attorney and file bankruptcy months or even years after they should have. Be proactive and take the initiative to solve your situation now by contacting the P.R. Smith Law Group, P.A. in Florida.
Our Tampa lawyers offer more than 50 years of combined legal experience. We have handled thousands of cases like yours, and we would like to help you too. The initial consultation is free. Call us at 888-682-5251 or send us an e-mail.
