Sacramento bankruptcy lawyers are extremely busy in today's rough economic world. More and more people are hiring Sacramento bankruptcy lawyers to help them reorganize their ruined finances. Most people who retain Sacramento bankruptcy lawyers are surprised to find themselves in such a bad economic state. Just months prior they had been meeting their obligations and paying the mortgage, the car payment and even the college tuitions for a child or two. But things happen. A job is lost, or there are surprise bills of one sort or another, such as medical or repair bills. If only one thing happens it might not have a traumatic effect on finances, but if one or more things come together at a bad time it can mean troubled personal finances. If your finances are sliding the one thing that is a mistake is to wait until you hit bottom. Do not wait until the creditors are calling all the time and the bank wants to take your house. Look for a lawyer. Finding a lawyer is not that difficult. In fact, if you ask your family or friends you might be surprised to find out how many have had to engage a professional to help them reorganize their finances. If your family and friends have been lucky or smart, then go to the internet. There you will find lawyers with their own web sites or with a listing on the bar association. Your lawyer may advise you to file Chapter 7 or Chapter 13. Chapter 7 will have you liquidate your assets and pay off creditors. Chapter 13 will have you arrange a payment schedule for your creditors. Or your advice might be to get an additional job or sell off assets. Finding a good lawyer will help you in your first steps in reorganizing your finances and getting stability back in your life.