Debt has ruined the lives of millions of people. When people struggle with debt, they’re in pain. They’re worried. And often, they’re without hope that things will ever be better.
Too much debt takes away from quality of life today. It also steals your future. When you have too much debt, you can’t save for your retirement or for your children’s education.
Are You Struggling With Debt? Is This You?
Please look at the list of statements below. If some of the statements describe your situation, you should consider talking to me to see if bankruptcy could be a solution for your debt problems:
- Debt is a source of distress for you or others in your family. You spend too much time thinking about your debt. And arguing about money with people you love.
- Bills are piling up faster than you can pay them. As time goes by, you fall further and further behind. You pay only the minimum payments on your credit card. At times, you skip credit card payments. You use cash advances on one credit card to make payments on another card.
- You think about bankruptcy as a solution to your money troubles, but you don’t understand how it works. The rules of bankruptcy are complicated and confusing. You don’t know what your options are and you’re afraid about what you might lose.
- Too much money from your loan and bill payments goes to interest and penalties. Each payment barely reduces the total amount you still owe, and it will be like this for many, many years.
- You live from paycheck to paycheck. You have no extra money to save for your children’s education or your own retirement. You take out payday loans. You always feel broke.
- You get unwanted, embarrassing phone calls at home and at work. Creditors and bill collectors constantly call and harass you for money.
- Creditors are threatening to sue you.
- Your total debt, not including your car or house loan, is more than you could possibly repay, even over five or more years.
- Your wages are being garnished or your bank accounts have been frozen.
- You’re afraid of losing your home to foreclosure.
- You desperately want to wipe out your debts and get some relief. But you feel ashamed and guilty about taking bankruptcy. You fear that your life will get worse if you take bankruptcy.
Living with too much debt puts you and your family under terrible stress. It takes the fun out of life.
Don’t Make the Mistake of Struggling for Years With Overwhelming Debt
At the Coke Law Firm, we see people struggle with overwhelming debt for months and years. We understand that many people avoid bankruptcy because of fears about what bankruptcy will mean for their lives.
We think avoiding bankruptcy because of fear is a big mistake. By the time most people begin to seriously consider bankruptcy, the benefits to your life usually far outweigh the costs.
When bankruptcy is your best option, the time to do it is now. Every dollar you pay in interest and penalties is a dollar that could be going toward a better life for you and your family.
What You Should Do Next
It costs you nothing to find out whether bankruptcy is the best option for solving your debt problems. You can schedule a free meeting with me, Justin Coke. At the end of the meeting, I will recommend your best course of action and explain the reasons for my recommendation.
If you want to do some research before you schedule a meeting, check these links: