Ah, glorious winter! Winter is a great time for introverts and hibernators. With the arrival of spring in the northern hemisphere (yup, that includes Texas), you can no longer hibernate. You are expected to be out and about, showing your face. Have you been ducking the reality of financial distress? Have you been hibernating, hoping your debt would disappear? Spring is a great time to connect with a bankruptcy attorney and resolve your financial problems.
Face Up to It
Many workplace gurus will tell you to tackle the toughest job first and your day becomes easier and easier. That's true, too, with debt. The longer you pretend, the worse your financial situation gets. The bravest thing you can do in this season of rebirth is face budgetary blight and solve it.
Some signs you have financial woes, and sources for more information:
- You use one credit card to make a minimum payment on another credit card (check out NerdWallet on this)
- You avoid opening bills arriving in the mail (Forbes has some ideas to help)
- You avoid talking about money with friends and family (the American Psychological Association has some suggestions)
- You've been preyed upon by a debt relief scam (the Federal Trade Commission can help with that)
- You do not know, or do not want to know, what your credit history looks like to lenders (you can get three free reports a year here)
Come Out, Come Out
Being brave takes many forms. We honor our uniformed men and women for their bravery in combat and our first responders for their bravery in heading toward danger when everyone else runs away. But we can also recognize the quiet bravery a Texan needs in dealing with financial trouble.
The first thing you need to do, like the first spring crocuses, is come out of hiding.
Stand up and deal with your concerns. You may be exaggerating the peril you face, blowing up a relatively small debt or a few missing payments into a nightmare.
Talk to a bankruptcy attorney. Even if you think you do not need to declare bankruptcy, a savvy lawyer with years of experience helping people in financial difficulties can be your greatest ally.
Perhaps all you need is a little breathing room. Perhaps you need some help rearranging your debt. None of those solutions can unfold until you rise up and come out of hibernation. Face your fears. Find financial freedom.
When farmers sow seeds in early spring, they do not expect to reap their harvest a week later. They patiently wait for the transformation of lambs into sheep, seeds into crops. Texas leads the nation in production of not only cattle and calves, but these other agricultural mainstays:
- Mohair (Angora goat hair)
Not one of those agricultural products springs into being overnight. Finding solutions to years of financial distress also does not happen in a day. You need a plan, and your debt-dissolving plan might take more than one season.
But no plan will work until you start it. The first step? Contact a Texas bankruptcy attorney. You can get very fast relief from:
- Creditor harassment
- IRS wage garnishment
- Credit card lawsuits
Spring signals rebirth, a renaissance of growth and fresh thoughts. Change your stale winter habits. Deal with your debt, look for a new way to solve your insolvency issues.
Some Texans struggle with the diminished daylight of winter and get Seasonal Affective Disorder (SAD), but if you have been sad all winter about damaging debt (unpaid medical bills; unsecured loans; student loans; a mortgage), and you are still feeling down as everything is springing up, you need to do more than visit a doctor. You need to visit a bankruptcy attorney.
What can a bankruptcy attorney do for you? Consider these options:
- Explain how bankruptcy works and how personal bankruptcy benefits you
- Help you file for Chapter 7 personal bankruptcy
- Counsel you on the benefits of Chapter 13 bankruptcy
- Walk you through Means Testing
Put a spring in your step and make the call to The Page Law Firm today, at 214-618-2101, or contact our Frisco offices online. Our experienced bankruptcy attorney can help you make every day a little brighter.
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