Since you are reading this, I am going to assume that you are pretty desperate because you are up to your eye balls in credit card debt. You are most likely getting threatening calls and letters each day from each and everyone of your cards that are way overdue and you simply don't know what to do. Let me tell you what you do: don't ignore this! Most people feel very stressed at first when they get calls all the time. Then the calls stop and they think that they are in the clear, but the reality is that your creditors are getting ready to sue you and send the repo man to knock on your door.
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Bankruptcy Counseling
Look, if you are maxed out on your cards and you can't seem to find a way out of your spiraling debt, you must sit down and face the facts: You can't repay your debts. Making minimum payments when you owe thousands of dollars is like throwing money out the window: you will never be able to make up for interests and fees. You need a fresh start and by getting help from bankruptcy counseling services in when you are thinking of filing bankruptcy is crucial.
Forget about all that stupid advice that you find on internet forums and chat rooms of people judging and condemning those who have filed bankruptcy. Filing bankruptcy is a protection awarded by the government to those people who have hit a rough patch due to divorce, loss of income or a medical emergency among other things. It's a second chance at getting back on your feet and get a handle on your finances not a deadbeats way out.
Filing Bankruptcy
Filing a chapter 7 or chapter 13 bankruptcy is a complicated process that is not easy to navigate on your own. You definitely need the help a bankruptcy lawyer to help you get all your papers in order and to file properly and avoid problems later on. Once your bankruptcy is discharged, you will be given a clean slate, your credit score will quickly begin to improve and you will be able to get back on your feet financially. Can you imagine a debt free life, where no debt collector keeps threatening you all day long?
Is Bankruptcy Right For You? Talk to Bankruptcy Attorneys Free and Confidential. Licensed bankruptcy attorneys are available. Attorneys will call you to discuss your case for free. Find out if bankruptcy is right for your situation.
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