Under the new bankruptcy laws, bankruptcy is still an available option for consumers facing financial difficulties. It is now more important than ever to have a trusted, bankruptcy attorney working for you. The telephone should no longer be an instrument of torture and that mountain of bills can be a memory.
To assist you, below are some common financial warning signs:
• Are any of your credit accounts more than 30 days late?
• Do you pay only the minimum payment due on your credit cards a majority of the time?
• Do you float or bounce checks in order to put food on your table or pay monthly expenses such as electric or gas?
• Have you borrowed money from a loan to payday or vehicle title loan source?
• Do bill collectors call you at home or work?
• Do you have multiple mortgages on your house?
• Have you reached the credit limit on one or more of your credit cards?
• Have you borrowed money to pay off your credit cards (including balance transfers) and accrued significant balances again?
• Do you lose sleep at night because you worry how you are going to pay your bills?
• Do you live from paycheck to paycheck with no source of funds for unexpected obligations?
• Have you borrowed money from friends and/or relatives to meet obligations?
• Do you pick and choose which accounts to pay because you can’t afford to pay all of your obligations?
• Has your credit line been stopped by one or more creditors?
• Is your house in jeopardy of foreclosure?
• Has your house been foreclosed or your car repossessed leaving you with a balance due on the property that you no longer own?
• Do you stress over your finances?
• Are you afraid or hesitant to answer your telephone because you don’t want to be abused or belittled by a representative attempting to collect money from you?
• Do you write checks hoping they don’t clear your bank before your paycheck gets deposited?
• Do you make excuses to yourself or those around you as to why you can’t pay your bills?
If you answered yes to any of these questions, you should contact a qualified bankruptcy attorney for consultation.
The Nacol Law Firm PC
Advising clients in the Dallas / Fort Worth Metrolplex area
on all Bankruptcy Matters
tel: 972-690-3333
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