For many people, going to see a bankruptcy attorney is aggravating, embarrassing, and nerve-racking. The idea of admitting you cannot pay your debts and are struggling financially is not something anyone wants to do. This is understandable, but there are a few reasons that going to see that attorney could be the very best move you make for yourself.
The Automatic Stay
The moment you officially file for bankruptcy, the automatic stay comes into play. This simply means that all of those debt collectors calling your house around the clock have to stop the phone calls immediately. They cannot keep calling your neighbors or contacting you at work. They have to stop pressing for their money while the bankruptcy process is in play.
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This is the number one reason that most people decide to go through with a bankruptcy filing. Living with the constant harassment of debt collectors and the worry of how you will pay your bills takes a toll on your mental and physical health. The automatic stay offers a quick relief to that problem, so when they call again you can simply tell them that you have filed for bankruptcy and they cannot call you anymore.
Not all debt collectors will treat the automatic stay as they should. You should continue reminding them that you have filed for bankruptcy. Your bankruptcy attorney should be able to handle it if a creditor continues to harass you.
Manageable Financial Situation
Filing for bankruptcy can feel like going down in flames of embarrassing defeat, but it also gives you a financial situation that is easier to manage. Imagine being able to make your bills every month rather than worrying about what you can't pay. Imagine going to bed at night with peace of mind and confidence in your financial situation, rather than tossing and turning because you know there are bills that need paid that you simply cannot cover.
The peace of mind that comes from knowing you can handle your financial obligations will be worth the defeat and negative emotions you feel when you first contact that bankruptcy attorney. The negative emotions fade away when you feel the boulder of debt lift from your shoulders.
A Fresh Start
Once the bankruptcy is final, you have a new financial start in life. It won't be long before you are getting offers from creditors willing to work with you again. You will have a lot of advanced knowledge and wisdom from your past experience with debt and that will allow you to make smarter choices this time around.
This fresh start is what most people need when they walk in to see that bankruptcy attorney. It is what allows them to file even though they don't want to admit that defeat. The defeat is always followed by a chance for redemption. The redemption comes from taking that fresh start you are handed and proving that you have learned from those mistakes and can manage your finances responsibly.
No one wants to go see a bankruptcy attorney. No one wants to toss and turn at night because they know there is no way out of their situation other than filing bankruptcy. Yet, everyone wants and deserves the relief that comes with an automatic stay and the redemption that comes with the fresh start.
Is Bankruptcy Right For You? Talk to Bankruptcy Attorneys Free and Confidential. Licensed bankruptcy attorneys are available. Attorneys will call you to discuss your case for free. Find out if bankruptcy is right for your situation.
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