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Top Ten Reasons
You Need To Consider Bankruptcy
| 1. |
Your total
debt is more than half your annual income. (You owe $20,000.00,
you earn $40,000.00.) This would not include your home and vehicle
loans. |
| 2. |
You have
been sued for a debt and your wages are in danger of being garnished. |
| 3. |
You are
behind on your home payments and can't persuade the creditor
to take partial payments even though you want to keep your home
and could afford to catch up, if given enough time. |
| 4. |
Your home
isn't worth what you owe on it and you have become a slave to
your mortgage payments. On top of that, if it goes into foreclosure,
you will have to pay a huge tax debt on the amount of the second
mortgage. |
| 5. |
You have
an adjustable rate mortgage and cannot afford the higher payment.
Due to the current state of the economy, you can't refinance
it and you can't sell it either. |
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| 6. |
You
can only afford to pay the minimum amount you owe on your credit card
debts and there is no end in sight to ever pay it off. |
| 7. |
Your
income has suddenly dropped and you can no longer afford to keep paying
both your existing debts and your home. |
| 8. |
You
owe the IRS more than one month's income and do not have any way to
borrow the money to pay them off. |
| 9. |
You
owe an enormous amount for child support. They are taking so much money
out of your wages, you can't afford to live, or they are threatening
to put you in jail. |
| 10. |
You
have been offered a government job that requires you to deal with your
debt issues in a responsible way. Bankruptcy can be used to responsibly
pay as much of your debt as you can afford, and at the end, give you
a fresh start. |
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| Top Reasons
You Do Not Need To File Bankruptcy |
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| 1. |
Your only income
is from disability, unemployment, or retirement income and you own
no real estate. Other than the IRS, your creditors cannot force you
to pay, so you do not need to file Bankruptcy. (However, if you are
a homeowner, a lien can be placed against your property. Even with
a homestead, this lien will have to be paid when you sell or refinance
your home. Under this circumstance, you might want to file Bankruptcy,
if the amount of the lien makes it worthwhile.) |
| 2. |
You
are very frustrated by calls from bill collectors. Resolve this problem
by telling the bill collectors you have no intention of paying and
no ability to pay. |
| 3. |
You
have rental property, income from unpaid commissions, or a large pending
tax refund or insurance claim. If you file Bankruptcy, you could lose
these assets. |
| 4. |
After
paying your living expenses, you have more than $100.00 left over each
month that you could use to pay bills. If credit cards are simply not
getting paid down, you may want to consider other options, such as
debt settlement or Chapter 13 instead. Our office has a relationship
with a law firm that handles debt settlement, or if you would prefer
to file Chapter 13, we also handle that legal procedure. |
| 5. |
You
expect to receive an inheritance, personal injury settlement, or other "windfall" in
the next six months. If you file Bankruptcy now, you will have to forfeit
these assets. But if you wait until you receive these assets, there
may be a way to keep them with proper legal advice. |
| 6. |
You
have a gambling problem. Until you stop gambling for good, you will
continue to get further into debt, and a Bankruptcy will only give
you temporary help. |
| 7. |
You
have a serious and continuing medical problem. Until you are well,
you will be getting further into debt. Wait until you no longer need
treatment before filing Bankruptcy. This advice applies if you have
an ill family member that you support. |
| 8. |
You
are not sure if Bankruptcy is the right choice for you, but believe
it might be worth trying. Unfortunately, once you file, it can be impossible
to back out. Is your debt so overwhelming that you have no other options?
I urge you to consider all of the options, but beware of something
that sounds "too good to be true." |
| 9. |
You
haven't filed taxes for several years and haven't got time or energy
to deal with it. Unfortunately, it is not possible to just hand over
the job to your attorney. You have to file your taxes, and you have
to get your finances in order to file your case. It requires some effort
on your part. |
| 10. |
You
believe that filing Bankruptcy will help repair your bad credit. There
are options other than Bankruptcy to help rebuild your credit and increase
your FICO score. |
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Sometimes
filing bankruptcy can be the answer on how to stop foreclosure,
stop garnishment of wages and stop collection agency calls. Call
for a consultation with our experienced attorney to find out how
to stop wage garnishment, a foreclosure or annoying collection
agency calls. Bankruptcy is our specialty and we want to help you
implement a financial plan to get you back on your feet again. |
Call
our bankruptcy attorney for help filing bankruptcy. We can answer
your questions about how to stop foreclosure, stop garnishment of
wages and stop collection agency calls. Let us help you stop wage
garnishment and get back on your feet again.
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Click
here or Call 702-456-1920 to
contact Dorothy today for a confidential no obligation assessment.
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