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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.

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$Law Offices of Robert M. Geller, P.A.
807 West Azeele Street
Tampa, FL 33606
T: (813) 254-5696
T: (800) 853-7549
F: (813) 253-3405
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$Law Offices of Robert M. Geller, P.A.
125 5th Street South
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St. Petersburg, FL 33701
T: 727-532-3939
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At the Tampa Bay law firm, the Law Offices of Robert M. Geller, P.A., we help people with consumer bankruptcy matters in the Tampa Bay-St. Petersburg,  Florida communities such as Clearwater,     St. Petersburg, Tampa, Thonotosassa, Riverview, Lutz, Plant City, Brandon, Carrollwood, Wesley Chapel, St. Petersburg Beach, Lakeland, Mulberry, Dade City, Pinellas Park, Largo, Seminole, Odessa, Oldsmar and Lithia, and counties such as Hillsborough County, Pinellas County, Pasco County, Polk County and Manatee County.