The bills are coming in already. The phone calls are right behind. Everybody wants to be paid. It’s a new year, but nothing has really changed.
And why would you expect things to change unless you have changed? If you are late on your payments, why would you think that your creditors would give you a break just because it’s a new year? And if you are making just the minimum payments, why would you think that it was now going to take you less than 15 years to pay off the debt? Did you think there would be
The only way things are going to change is for you to change. That means that you have to take action. Action can include many different things: making and sticking with a budget, getting another job, reducing your expenses, getting debt counseling. Or seeing an attorney with experience in the area that you are concerned about.
We have that experience at Steidl and Steinberg. We have been doing work in this area since the beginning of our existance in 1985. And we are prepared to discuss different types of solutions that may work for you. And we will consult with you for free.
Solutions may or may not include the consideration of a bankruptcy. And there are different kinds of bankruptcies to consider, including those that pay back money to creditors that those
that do not.
Contrary to your fears, there are almost zero bankruptcies that result in our clients losing anything at all. If you want to keep your car, your house, your motorcycle, we will tell you if it is feasible before any papers are filed. And keeping these things is normally feasible.
Instead of tossing those bills to the side because you don’t have the money to pay them, break free from your paralysis and do something. A year from now, you should be able to look back and say “Yes, I am well on the road to taking care of my debt problem.”
At Steidl and Steinberg, are here to help you achieve that goal.