subject: Swimming Upstream [print this page] Swimming Upstream Swimming Upstream
If trying to pay off your credit cards feels like swimming upstream, you may want to consider Washington DC bankruptcy as your best life preserver. There are many reasons that can lead to filing for bankruptcy. Some reasons include emergency medical expenses, credit card debt, loss of employment, and divorce. These life events always create financial difficulty as well as a huge amount of worry and stress. Whatever reason leads you to making the decision to file Washington DC bankruptcy, don't feel ashamed, there are many people making the same decision. If you're carrying a burdening amount of debt that you can't pay off, the first step to financial recovery may be making an appointment with a qualified lawyer who specializes in Washington DC bankruptcy. Your local bar association will be happy to provide you with a list of lawyers who have years of experience in Washington DC bankruptcy. In addition to what the bar association recommends, contact your friends or business associates who have previously used bankruptcy lawyers. Your bankruptcy lawyer will determine the type of Washington DC bankruptcy you should file. There are two types of personal bankruptcy: Chapter 7, which erases most of your debts and is most often used, and Chapter 13, which creates a debt repayment plan. Filing for bankruptcy immediately puts a stop to utility shutoffs, evictions, and many types of lawsuits. For individuals who have been constantly struggling to stay afloat, this is a huge relief. Filing for bankruptcy will also keep your creditors at bay as a court order will stop wage garnishing and creditor harassment. You will no longer fear the ringing telephone or opening your mail. Many individuals feel humiliated or ashamed at the thought of filing for bankruptcy. In this day and age, there is no reason to feel that way. It's more damaging to ignore your outstanding debts and do nothing to remedy the situation. Filing for bankruptcy will allow you to take control of your finances and your life.
