Should I File for Bankruptcy

Should I File for Bankruptcy?

• Is your property going to be foreclosed on?
• Is the repo man looking for your car?
• Are your creditors harassing you?
• Do you owe medical bills?
• Do you have any judgments against you?
• Are you having IRS problems?

IF YOU HAVE ANSWERED YES TO ANY OF THE QUESTIONS ABOVE, you should consider filing bankruptcy to give yourself some relief from these debts and a fresh start. Sometimes average Americans find themselves in out-of-control situations, like losing a job, losing a loved one or a serious illness, which keeps them from paying the debt that they have incurred. This may be at the fault of no one, but it is reality.

A Second Chance

For most people, filing bankruptcy is considered the last resort, but actually it could provide a "second chance". Filing bankruptcy can relieve stress and provide the opportunity to rebuild your life, your finances and strengthen their family.

Those Who Consider, Usually File.

Most people who consider filing bankruptcy will eventually go through with the process and actually file bankruptcy. They may not file immediately, but at least 90% of the people who consider filing will file within twelve months. An estimated 4 million people filed bankruptcy in 1997. This year, 2001, will reflect an all time high in the number of filings.

Debt Counseling

Some clients have already tried consumer debt counseling and have paid hundreds of dollars every month to a debt consolidation company, who will in turn pay their debts for them. Statistics have shown that at least 75% of the time, that process will fail and the person drops out of the debt management program, but only after they have paid out so much money on the debts that they will eventually bankrupt.

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