In these difficult times, many homeowners have faced the prospect of being unable to maintain their mortgage payments and they have turned to their mortgage lenders for assistance to modify their mortgage(s).
If you have been fortunate enough to modify your mortgage, I now ask you to answer the following questions:
Did it solve all of your problems?
Is there still too much month left at the end of your money, and each month you need to purchase necessities with a credit card?
Are you afraid to answer your telephone, even if you have Caller ID, or you dread opening your mail each day?
Are you at the maximum limits on your credit cards, and can barely make the minimum payments each month?
Are you borrowing from one credit card to make your minimum payments on other cards?
Are you borrowing from your retirement benefits to make payments on your credit cards?
Are you living paycheck to paycheck or with the fear that if either you or your spouse lost your job, you will be in financial hot water?
Are you constantly fighting with your spouse over money matters?
Are your bills are weighing on your mind to the point where you are constantly anxious, and it is now affecting your ability to sleep soundly or to perform your function day-to-day tasks normally?
If you answered YES to any of these, you are still not yet out of the woods…
Bankruptcy is an option for individuals in their time of need. Filing Bankruptcy is a right under Federal Law. It is a financial safety net to rid you of the weight of the burden of your credit cards and other unwanted debts.
Bankruptcy is not painful – You do not have to lose your home, your car or your retirement savings when you file for bankruptcy.
Let’s be practical – No one wants to file for Bankruptcy – No one even wants to be reading this, but if you are, you should consider Bankruptcy as part of your personal arsenal to get you financial house in order and get a fresh start.
All it takes is a phone call or e-mail. You owe it to yourself to get the facts – Contact an experienced bankruptcy attorney today – It could be the best call you may ever make…Do it TODAY!