The Christmas season is fast approaching. Some people might decide that they can't save enough money to pay for the gifts that they need. They might end up using credit cards to pay the bills. This is something that can be a good thing if they pay for those bills as they come in or a bad thing if the credit card debt is suffocating.
We understand that people get into debt for a variety of reasons. Most people who have debt pay for those debts as best as they can, but in some cases, one medical issue or something similar might cause you to have an issue with paying those debts.
This is one thing that many people don't realize. Most people don't get into drowning debt by being irresponsible. The financial issues usually start with some unexpected situation, such as in illness, injury or job loss. From there, things go downhill.
One option that you have is to file for bankruptcy. While this isn't likely anyone's first choice about how to handle debt, it is an option for people who need to exercise the option. If you are in this position, you will have to determine which chapter of protection to use. Typically, personal bankruptcies are Chapter 7 or Chapter 13.
We can help you to determine which option is the best for you. We can also prepare your case to file with the court and walk beside you as your case goes through the court system. You don't have to try to do it all on your own.