Do any of these sound familiar?
- There is too much month left at the end of your money, and each month you need to purchase necessities with a credit card.
- You are afraid to answer your telephone, even if you have Caller ID, or you dread opening your mail each day.
- You are at the maximum limits on your credit cards, and can barely make the minimum payments each month.
- You are borrowing from one credit card to make your minimum payments on other cards.
- You are borrowing from your retirement benefits to make payments on your credit cards.
- You are living paycheck to paycheck or with the fear that if either you or your spouse lost your job, you will be in financial hot water.
- You have applied for a debt consolidation loan, and have been turned down.
- You have signed up with a debt consolidation company, and cannot make the required minimum monthly payment.
- You are constantly fighting with your spouse or significant other over money matters.
- Your bills are weighing on your mind to the point where you are constantly anxious, and it is now affecting your ability to sleep soundly or to perform your function day-to-day tasks normally.
If you are reading this, you most likely already believe that you are experiencing financial difficulties. In my 20+ years as a Long Island Bankruptcy Lawyer, I have learned that each individual I have assisted had reached a “breaking point” – that event that triggered the need to seek counsel. If you feel you are at that point, I encourage you to contact me to find out if either Chapter 7 or Chapter 13 bankruptcy protection is available to you. My initial consultations are always free. The value of the consultation could be priceless.