Having serious financial difficulties can make you feel like you have a skeleton in the closet. Financial woes are generally not something you want to discuss with your friends or family. You may be embarrassed about your inability to pay your bills, or you may be reluctant to ask for help with your mounting debts. If you are receiving frequent calls from creditors, this can add to your stress and leave you feeling desperate. If this sounds familiar, you don’t need to suffer in silence. An experienced bankruptcy attorney can help you straighten out your finances and get a handle on your debts. A bankruptcy law firm, such as Grainger Legal Services, can give you the assistance you need to get out from under the burden of unpaid debt.
Consulting a bankruptcy attorney does not obligate you to file for bankruptcy. In fact, many attorneys offer free consultations in which you can ask questions and discuss your situation. If you don’t qualify for bankruptcy, you may be able to modify your mortgage or consolidate your debt. If you do qualify for bankruptcy, your attorney can help you decide which type of bankruptcy best applies to your particular situation. If you file for Chapter 7 bankruptcy protection, most of your unsecured debt will be forgiven. If you prefer to continue making payments on your debts, a Chapter 13 bankruptcy filing will allow you to make reduced payments on your vehicle and other belongings.
Once you have spoken to an attorney, you will most likely feel that some of your burden has already been lifted. Discussing your problems with a competent legal professional can give you the peace of mind that comes from tackling your problems head on, rather than secretly hoping they will go away. If you decide to file for bankruptcy, your creditors will no longer be able to contact you directly. This can also provide some relief from the stress of your situation. Keeping your problems to yourself may work for some issues, but for financial troubles, it is a good idea to seek professional help. A law firm, such as Grainger Legal Services, can help you address your unmanageable debt and resolve your financial problems.