Should I file for bankruptcy?

• Are creditors harassing you?
• Do you have any judgments against you?
• Is the repo man looking to repo your car?
• Is your property going to be foreclosed on?
• Do you owe medical bills?
• Are you having IRS problems?

If you answered YES to any of the above, you should consider filing for bankruptcy. Sometimes average people find themselves in out-of-control situations, like losing a loved one, losing their job or having a serious illness, which keeps them from paying their debts. This may be nobody's fault, but it is reality.

For most people, filing for bankruptcy is considered the last resort, but actually it could provide a "second chance". Filing bankruptcy can relieve stress and provide the opportunity to rebuild your life, your finances and strengthen your family.

Some people have already tried consumer debt counseling and have paid hundreds of dollars every month to a debt consolidation company, who will in turn pay their debts for them. Statistics have shown that at least 75% of the time, that process will fail and the person drops out of the debt management program, but only after they have paid out so much money on the debts that they will eventually bankrupt.

The State Bar does not certify any lawyer as a specialist or expert. This web site is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.