Bankruptcy & Emotions -
Create a solution, not a problem
Read this page from top to
bottom.
Then read it again. . . and again. . . and again.
 In a world where the airline
industry requires a $15 billion dollar bailout, in a country
where MCI has filed for bankruptcy, where United Airlines has
filed for bankruptcy, where the economy has shed 350,000 jobs in
the space of two years, you should feel bad about filing
bankruptcy? Bankruptcy is the original social security net. It
was created by the founding fathers of our country as a way to
protect the citizenry from overbearing and unruly creditors. The
Bankruptcy Code is the last vestige of consumer law that is
truly beneficial to the consumer. Bankruptcy is a financial
decision, not an emotional one. No one thinks you are less of a
person for declaring bankruptcy. Do you think MCI or United
Airlines are lesser companies for declaring bankruptcy?
Remember, even Walt Disney filed for bankruptcy at one point.
Do not feel bad about declaring bankruptcy. Every day people sit
across from us and say "I was raised to pay my bills." We agree
with you. We were all raised that way. But, your parents did not
grow up in the consumer credit driven society of today. Did your
parents have a lot of credit cards? Probably not. Credit to them
meant having an account down at the local butcher's shop. Credit
today means something entirely different and unfortunately, none
of us were ever taught how to handle credit or what the true
cost of credit is.
Many people find that life after bankruptcy is much more
satisfying, much less stressful. Living without debt is a truly
rewarding experience! There is nothing stopping you except
yourself and your own perceptions about what bankruptcy means.
Do you think Capital One, Providian, American Express, First
Bank, MBNA or Fleet Credit Card really care about you as a
consumer? They are large companies out to do one thing. . . make
money. That is why businesses exist. To make money. It's a
simple truth and there's nothing wrong with that principle. But
please don't be fooled into thinking that large creditors or the
person answering the phone at the call center is on your side.
Nothing could be farther from the truth.
Perhaps you thought about consumer credit counseling. But this
is not the most viable option either. Most credit counseling
agencies are nothing more than scams. Not all creditors will
work with counseling agencies. Many credit counseling agencies
advertise themselves as 'non-profit', but why do you think this
means they are free services? Simply because they are
non-profit, doesn't mean they are free. Many of our clients who
were former credit counseling clients were appalled when out of
their $150.00 per month payment, $50.00 was going to the
counseling agency. Does that sound like 'non-profit'?
Do not be duped into thinking you are doing something wrong and
do not be misled by creditors saying you cannot file bankruptcy.
Of course you can file bankruptcy. Anyone can, it's your right
as a debtor and a citizen. The bankruptcy law is the original
social security net provided by our forefathers. America's
founders wanted to do away with the idea of a debtor's prison.
The truth of the matter is we might have done away with the
physical confinement of a cell, but there's no doubt that
today's society still allows for a debtor's prison to exist, if
only in our minds.
So break out of jail and talk to us. No one can interfere with
your right to file bankruptcy. That little clause in your
contract with the creditor that says you can't file bankruptcy
is false. Even the IRS cannot stop you from filing bankruptcy.
Stop for a minute and consider the alternative. Take a look into
the future and stop thinking about what you had, but instead,
what you have now and what you will have tomorrow. Is the
situation getting any better? Most of us think that if only we
could unwind some key event then we would not be in this
situation. But that's hiding the truth. You have to deal with
what is going on now. Creditors are calling, the house is up for
foreclosure, the license has been suspended for non-payment of
tickets, you are using payday loans. Even if things turned
around tomorrow, would it be enough to allow you to pay back
your debt?
So you think to yourself, "I don't want to declare bankruptcy. I
was taught not to do that." It's time to question your lessons.
You are losing sleep, you're stressed out because you can't pay
the bills, you're fighting with your spouse or significant
other. This is not a way to live. Should you continue to try and
slog your way uphill against an ever increasing mountain of
bills and past due accounts sacrificing your health and
relationships for a creditor? You know the answer to that
question.
Call us today and find out how we can make your life easier and
better. Let us show you what declaring bankruptcy truly means.
You'll be amazed at what we can do and you will be amazed that
bankruptcy is not a furtherance of your debt problems, but a
solution. Call us today.
CONTACT US FOR A FREE
CONSULTATION
732.302.9600
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