No one likes to admit they are in financial trouble. Instead, they would rather figure out a way to pay off the debt and avoid accumulating more. At times, things can become so severe that honoring those debts becomes impossible. That’s when seeking help from a Bankruptcy Attorney in Lawrence KS makes sense. Here are some of the signs that the time has come to make an appointment.
The Credit Card Shuffle
For the last few months, the debtor has been using credit from one provider to cover payments due to a different one. This is managed by using the cash function of the credit cards. While this does have the short-term effect of not getting behind on the bills, it is also creating more debt. To make things worse, the interest on those cash advances is more than the interest applied to credit card choices. Instead of making things worse, talking with a Bankruptcy Attorney in Lawrence KS and getting off this merry-go-round is a better approach.
The Collection Calls are Mounting
Every payday, the debtor is making payments on outstanding debts. Even so, something is always late and the collection calls are coming more frequently. Along with calling at home, some of the creditors are now starting to call at work. With the potential for this situation to have an adverse impact on the job, now is the time to consult with a lawyer and determine if bankruptcy in any form is a possibility.
The Debtor’s Health is Going South
Worrying about the debt and the inability to pay those obligations is beginning to affect the health of the debtor. It is impossible to sleep at night and the day is filled with nothing but anxiety. Unless something is done to ease the stress, more health issues will begin to appear. Once the bankruptcy is underway, the load is lifted and the debtor will find it easier to get some rest and look at things more objectively.
For anyone who thinks personal bankruptcy is the right option for them, Visit the website today. After determining eligibility, the attorney will help the client prepare the documents, ensure they are submitted to the court properly, and provide the client with the opportunity to make a fresh start.