You may wish to review your financial situation with a bankruptcy attorney if you are experiencing any of the following:

• Falling behind on home or car payments or paying on “the last day”
• Making minimum credit card payments
• Paying one card with another
• Purchasing necessities, such as food and medicine, with credit cards
• Having little or no savings
• The sudden termination of a credit card or credit line (or a jump in the interest rate)
• Lack of health insurance or other necessary insurance coverage
• Financial concerns are beginning to affect your health, work, and family relationships

A good bankruptcy attorney will review all of your options with you, such as debt settlement, debtor defense, mortgage foreclosure defense, and mortgage modification, not just bankruptcy. In fact, a visit to an experienced bankruptcy attorney may help you avoid bankruptcy, if there are viable alternatives. If you do need to file for bankruptcy, your attorney should thoroughly explain the chapters of bankruptcy available to you and the pros and cons of each. >>More

‍