Filing for Chapter 7 or Chapter 13 bankruptcy doesn’t mean you are “giving up”. Almost every person I see in my office opens up to me about the guilt they are feeling. They struggle with a constant battle between their debt and their desire to be responsible. Your struggle is not uncommon. This never-ending battle has to end at some point. It’s time to stop wondering what went wrong. Start thinking about how you can pull yourself up and out from under the debt. You deserve to feel free.
I want to help you feel differently about bankruptcy. Bankruptcy is not bad and neither are the people who file for bankruptcy. Bankruptcy laws exist to relieve you from debt that you can no longer afford to pay. It’s a light at the end of a tunnel. It’s a fresh start and a chance to get back on your feet. It IS being responsible for the sake of yourself and your family. Think of your stress level. Think of the impact stress has on your relationships. Think of what life can be like once you make the decision. Sometimes the hardest thing to do is admit that you can’t afford to pay your bills. That you’re drowning. But once you do, you will see that filing for bankruptcy will cut the stress, cut the sleepless nights, and end the creditor phone calls. You won’t lose everything.
I love to hear from my clients after their cases are over. After a chapter 7 discharge they are relieved. They are so thankful, and wonder why they waited so long to file in the first place. There is life after bankruptcy – a better life, free from guilt, stress, and debt.
Filing for bankruptcy is the responsible thing to do. It’s your chance to start over. There’s nothing wrong with that, right?
