The decision to file bankruptcy is a serious one, and not one that should be made lightly or without adequate information. Yet, for some reason most people don't talk to a bankruptcy attorney until their bills are so completely out of control that they can't see any other option.

Unfortunately, this delay often means throwing a lot of good money after bad, making payment after payment that will not decrease your debt, and letting other expenses like rent and utilities fall further behind.  This often leads to housing issues, including foreclosure.

If you get more telephone calls from your credit card company than from your friends and family, if you cringe when you open the mailbox because you know that it will be filled with past-due notices and threatening letters, if you've been juggling your payments so that nothing falls "too far" behind while watching interest, late charges, and over-the-limit fees continue to grow, it may be time to give us a call.

For many people, Chapter 7 bankruptcy provides a fresh financial start. In a Chapter 7 bankruptcy case, many unsecured debts like credit card bills, medical bills, and old utility bills can be wiped away. And in most cases, an automatic stay takes effect as soon as a bankruptcy case is filed. The automatic stay prohibits creditors and collection agencies from making contact with the bankruptcy petitioner and pursuing any kind of collection action. Chapter 13 bankruptcy, on the other hand, provides an answer for many people who have regular income and secured debts, but have been thrown off track by a short-term problem like unemployment, illness, injury, or divorce.

Good decisions require good information, and taking control of your finances means educating yourself about your options. Our law office may be one of the best resources available to you in the information-gathering process. Schedule your first consultation with Attorney Thomas Trunnell or Attorney Dean Sellers and find out whether Chapter 7 or Chapter 13 bankruptcy might provide the relief that you need.