Do You Need to File for Bankruptcy?
Though we have not met, here is what I know. You’ve worked hard, paid your bills, and built up your credit rating...and then something happened. You and/or your spouse lost a job, or you got divorced,. Maybe a family member got cancer or you had an accident and could not work. Now you find yourself in a real mess and bankruptcy looks like your best option. Don’t feel embarrassed, you are not the first to file bankruptcy in Virginia and you are not alone. Because bad things happen to good people, Congress passed the bankruptcy laws. These bankruptcy laws can forgive some or all your personal debt to help you start over.
Over the last two decades, we’ve learned the financial warning signs that indicate the need to consider filing bankruptcy. How many of the following warning signs apply to you?
Likely Warning Signs
- You've fallen behind on your mortgage payment and cannot see a way to catch up
- You've resorted to payday loans or other short term loans to stay in front of bills
- Using credit cards to pay off other credit cards
- Several car payments have been missed
- You have collectors are calling you at home and work
- You cannot make your minimum monthly credit card payment
Even if you have only one sign from the column above, you likely are in trouble. Start looking for a good lawyer if you have at least two signs. Get to an expert bankruptcy attorney as fast as possible if you have three signs or more.
Definite Warning Signs
After more than 20 years of helping over 50,000 Virginians with bankruptcy, here is my best advice if any of the definite signs have happened to you: talk with an
expert bankruptcy lawyer as soon as you can.
Most people wait too long to get help and file bankruptcy. Do not put it off, call us today. We will be honored to help you.
Boleman bankruptcy lawyers and our highly trained professional staff are experts in bankruptcy. We only practice consumer bankruptcy law. We know exactly how to prevent your losing your house or car or losing your wages to garnishment and how to stop harassing collection calls. We are totally dedicated to helping people get a fresh financial start and we can help you.
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G. Russell Boleman III – Founder
PS: The single biggest mistake people make is to wait too long to get expert help. Whether you call Boleman Law or not, call an expert bankruptcy attorney sooner rather than later. Do not wait and risk losing important rights you might have under the law.