I really enjoy meeting clients and having the challenge of seeing what I can do to make their lives better.
The clients were prompt for their appointment. I asked them questions like: what is your income; how much are your typical monthly expenses such as housing, transportation, food, clothing, insurances, gifts, pets, medical, and more. Then I went to my calculator and asked how much how money do you owe? And what are these bills?
After I considered their income and expenses, I calculated they had about $300.00 per month available to pay for a combination of credit cards, medical bills, and a small IRS debt. I gave them the news.
How Much Can We Save You?
Here is how I said it: “John and Mary (not their real names), I have done the calculations. I can save you between $400.00 and $500.00 every month compared to what you are spending now. And I can have all of this debt paid off in four-and-a-half years instead of the 10 to 12 years it would take to do this on your own.”
And then I apologized.
Mary exclaimed: “What do you mean, that is all you can save us? That is fantastic! That is the difference between us making it in a month and not making it. And to have all of this paid off within five years? That is great!”
We save our bankruptcy clients lots of money. Sometimes it is $300.00 per month, sometimes $1,000.00. When I see numbers like saving $1,000.00 per month, I get greedy and hope I can save everyone that much money. I shouldn’t lose sight that a savings of only a few hundred dollars per month can be a lifesaver.
How much can we save you? Only one way to find out. Come in for a free consultation to any one of our Western Pennsylvania Offices. Steidl and Steinberg has made the financial lives better for tens of thousands of people for over three decades. You have nothing to lose, and you might save a few hundred a month.