CALL NOW!
FREE PHONE/VIRTUAL CONSULTATION

When Should You Say “Enough is Enough!” How to Know if Debt is Worse than Bankruptcy

Filing for bankruptcy is a big decision and it should not be taken lightly. However, if you can truly benefit from filing there is no sense postponing your action. Filing for bankruptcy can stop the endless creditor harassment and help you get a handle on your financial situation. The key is to know when to say you’ve had enough and that you are ready to file.

Many people find themselves in a financial crisis through no fault of their own. They might face an unexpected job loss or medical expenses. Things can often snowball out of control and what seems like tight times can suddenly turn into a serious issue. Bankruptcy is an effective way to get back on track, but because of the stigma associated with it, people who would benefit from filing put it off or decide it is not for them. This can be a big mistake. If you wait too long, you could have your wages garnished, your property seized. Moreover, waiting too long could result in you becoming ineligible if your income increases. Unfortunately, the other options available to help with financial problems do not always work long-term. If you find yourself in too deep and nothing you have tried has worked, bankruptcy is an opportunity to free yourself from the stress of debt.

What to Expect Once You File for Bankruptcy

Filing for bankruptcy is a time consuming and complex process. This is why it is so important to work with an experienced bankruptcy attorney. He or she can provide counsel, answer questions about your situation, and ensure your filing is handled appropriately. A mistake can result in your case being denied, so you need to ensure everything is done correctly on your end.

One of the biggest benefits of filing for bankruptcy is the fact that is puts an end to creditor harassment. As soon as you file for bankruptcy is creates an automatic stay. This prevents creditors from contacting you via phone, mail, or email, and it stops all collections actions, including foreclosure on your home.

Bankruptcy allows you to move on with your life, despite the financial struggle you currently face. It is not the right option for everyone, but if your problems are severe enough, bankruptcy can provide a key to a brighter financial future. If you would like to know more about bankruptcy are you are ready to get started with filing, contact the Law Offices of Robert M. Geller at 813.254.5696.

Archive

Video Testimonials

Tampa Bankruptcy Law Blog

Here’s How You Can Rebuild Your Credit

How do you repair this damage and rebuild your credit after filing for bankruptcy? Many people believe that filing for...
Read More

How Can You Practice Smart Credit Card Management after Bankruptcy?

How can you learn better credit card management after bankruptcy? Using credit after bankruptcy is an intimidating experience for many...
Read More

How Do You Improve Your Credit Score?

How do you improve your credit score? Here's what you need to know. Your credit score plays an important role...
Read More

Does Bankruptcy Credit Counseling Work?

Bankruptcy credit counseling helps you emerge from bankruptcy understanding credit management. People filing for bankruptcy must take two courses regarding...
Read More

5 Things That Boost Your Credit Score

Your credit score has a major impact on your financial life. You can be a great person with a bad...
Read More

How to Correct Errors on Your Credit Report after Bankruptcy

How do you deal with errors on your credit report after bankruptcy? In a perfect world, you could ignore your...
Read More

Tips for Rebuilding Your Credit after Bankruptcy

One of the primary goals after filing for bankruptcy is rebuilding your credit. As tempting as it might be to...
Read More

I’m Starting a New Life and I want a Financial Fresh Start – Should I File for Bankruptcy Now or Wait?

As the say goes, “when it rains it pours.” If you’ve found yourself experiencing financial difficulties while also dealing with...
Read More

What Does It Mean to Get a “Financial Fresh Start” in Bankruptcy?

Financial Fresh Start You’ve probably heard it before. “Bankruptcy gives you a financial fresh start.” It’s something stated on this...
Read More

Tips for Overcoming the Negative Emotions of Bankruptcy: How Can an Attorney Help Me with My Finances?

As advantageous as bankruptcy is when you are struggling financially, it’s still a stressful experience. Some people have a tough...
Read More

Bankruptcy

For The Next 5 Days GET A FREE BOOK About Bankruptcy

Learn More

Infographics

We are A Debt Relief Agency.
We help people file for bankruptcy under the Bankruptcy Code

Pay Online Bankruptcy Courses Newsletter Subscription

NACBA Logo avvo1 avvo2 avvo3 LEA BBB Logo RG Seal

Call For A Free Initial Consultation

813.254.5696

Tampa Office

Law Offices of Robert M. Geller, P.A.
807 West Azeele Street
Tampa, FL 33606
T: (813) 254-5696
T: (800) 853-7549
F: (813) 253-3405

Map And Directions

St. Petersburg Office

Law Offices of Robert M. Geller, P.A.
125 5th Street South
(Wells Fargo Financial Center)
2nd Floor, Suite G
St. Petersburg, FL 33701
T: (727) 532-3939

Map And Directions

Pasco Office

23526 State Road 54
Lutz, FL 33559
T: (813) 336-2320

Map And Directions