Are you facing financial struggles that you feel like are going to bury you
? Do you have credit cards that you just can't pay every month? Have you fallen so far behind on your bills that you don't see any hope of getting out of the mess you are in? Have you had someone in your family become very ill and not have insurance? Did the medical bills pile up and you can't pay them off? There are so many financial things that can consume a family and take a toll that seems like you will never see the light at the end of the tunnel.
Maybe you have tried to take the high road and tried to negotiate with the different companies that you owe money to, but they haven't been willing to work with you at all. Is your phone ringing off the hook with collectors and even when you answer their calls they do absolutely nothing for you. Maybe you have taken the time to fill out the loan modification paperwork that the government has promised to help things better for you and your family on your mortgage and you haven't made any progress besides wasted time.
At this point you are feeling like your only option is to declare bankruptcy. You start to look into your options and figure this is something that you will do on your own. Then you start to learn that there are a few different options with bankruptcy. You could declare a chapter 7 or 13 bankruptcy. As you read through things you realize that there are several different technical things and you could end up spending just as much wasted time on this as you did trying to work with the different companies you owe money to.
One of the best things that people have decided to do is work with a bankruptcy attorney that can walk you through step by step how to properly fill out the paperwork. They can also advise you on what is best for you and your family and how to get back on the right road. When you take this path you will find that you can get things done without wasting time and finding out that you did it wrong.
Then things are finalized and you can start back on the right road and rebuilding your future. It might feel hopeless, but there are times that this is your only option and there is light at the end of the tunnel and you can build your future into a very positive one.