A Deflated Financial Cushion?

A Deflated Financial Cushion?

A Deflated Financial Cushion?

Everywhere in the Lakeland bankruptcy attorney world is the talk of how the recession has brought on an ever increasing amount of new business. For the average Lakeland bankruptcy attorney this is welcome news -- and it is not. Welcome, because what small business does not want more clients; not welcome, because these same clients are neighbors, friends and even relatives. The attorneys are seeing first had the human toll caused by job losses, closed businesses and devastates personal finances. It has been a disaster. Many of the people seeking help with reorganizing their finances have been, until now, solid, bill paying citizens. They were meeting their mortgages, their car payments and even the private tuition bill or two. But then their own private disasters struck, leaving them buffeted and, in many cases, swimming in debt that they could not pay. Most arrived in their attorney's office with no plan and no idea of what they hoped to get out of the proceedings. It is the wrong way to arrive. It is much better to check your financial health much like you might check your physical health. Take a look at all aspects and know what your own personal profit and loss statement might be. Do this especially if you have suffered a financial blow, such as a lost job, an unexpected medical expense or a mortgage that suddenly ballooned in payments. If you are suffering from a financial blow or two, know what your cushion is and know when that cushion is deflated. Establish benchmarks and levels that, once reached, you know you have to take action. Do not let yourself sink below those marks without having a rescue plan in the works. It can help you save your financial life. Part of that rescue plan can be finding a good attorney who can guide you through any legal action you may have to take with the courts. Finding an attorney can be as easy as asking a close relative or friend. It might surprise you to find out how many have had to reorganize their finances. If your relatives or friends have been lucky or smart during this terrible recession, then turn to the Internet. There you will find usually detailed web sites with attorney information. Pick one or two or three and prepare some interview questions. Yes, you will be interviewing them! Once you have retained an attorney you might be advised to file a Chapter 7 or Chapter 13 consumer bankruptcy. Chapter 7 will have you selling your assets and paying off creditors. Chapter 13 will have you keeping some assets and working out a schedule for repayment to those you owe. Or you may get advice to simply go on a budget, sell some toys and get a second job. No matter what the advice you will be working to regain your financial footing and financial health.

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