At some point almost every individual or family can experience a hardshipthat makes it impossible to keep up with ordinary living expenses. Loss ofincome, pay cut,  increased expenses, downturn in business, loss of afamily member, an adjustable rate mortgage or some medical condition can allcause financial pressure. Most people try everything they can to avoidbankruptcy,  by working harder and longer, taking another job, borrowingmoney from family and friends,spending only on  necessities, cutting backon holidays, selling off assets, obtaining a home equity loan, quit paying intotheir 401K, giving up health, dental and life insurance. This is no way to goabout living life.Credit card companies are not on your side. They make yourfinancial situation worse by raising your interest rate and tacking on over thelimit fees and late fees. Some credit card companies are charging as high as39% interest. The credit card companies want your debt to increase so they canmake more money from you. For them, it is simply a business decision.At somepoint, many people cannot pay the minimum payments and are in over their head.Then the letters and calls start.  They call you in the morning,at nightand at work. They call you three or more times a day and the calls do not stop.You stop answering the calls and you don’t answer your door for  fear of asummons by a creditor. You may miss work due to  having to appear in courtand your wages can be garnished. Creditors can slap liens on your house andthey can attach your  bank account.  Bankruptcy is a very powerfultool that can protect you from your creditors.Bankruptcy laws havechanged  dramatically since the old days.Bankruptcy is no longer somethingto be ashamed of in these difficult times with so may people and businesseshaving filed bankruptcy. It is way to save your home, your car, your business,and your family from losing everything. Bankruptcy in most cases is thequickest way to put your debt behind you and get a fresh start. In most Chapter 7 cases, your case is over in about four months. Stop living with thestress and overcome debt with dignity. We can help you.

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