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Gone Slate Stable
Is Seeking Bankruptcy Protection A Clean Slate Or The End Of The Road?
If you’re in an unsolvable financial bind and are highly indebted to multiple creditors the thought of declaring bankruptcy as a solution to your problems may have occurred to you. The days when families enjoyed comfortable economic growth free from excessive debt are something far in the past for many as layoffs have grown during this period of economic downturn. Economic pressures are driving many to study actions such as bankruptcy protection to prevent losing a home or automobile as many are faced with mortgage and car loan payments that they are unable to satisfy.
Talking with an informed professional is a good way to start dealing with credit problems, and if you’re in the Los Angeles area, a Woodland Hills bankruptcy attorney can help you rate your situation. You may also consult a Van Nuys bankruptcy attorney if that would be closer to your home or work. First, determine whether or not you actually must file for bankruptcy by assessing your debts and cash flow as they now stand and writing up a realistic plan to pay off what you owe.
You should consider bankruptcy only if, after auditing what you owe and how much you earn, you determine that you cannot pay off your debts within five years by cutting back and scraping by. Bankruptcy may be the best choice for you if you’ve found that you cannot manage to settle your debts after five years of living on a limited budget and paying as much as you can. Be aware that if you choose bankruptcy as the method of resolving your issues, it will help you get through your problems; however you will also be faced with other issues that can have negative impacts on your financial well-being.
Among the positive results of filing bankruptcy papers is that creditors must cease attempting to collect from you as soon as they are informed that you have filed; however, they are permitted to contact your attorney if you engage one. If you represent yourself in a bankruptcy filing, that is you don’t engage an attorney, then creditors may be permitted to continue contacting you. Multiple bankruptcies would likely result if all of your earthly goods were divided among your creditors; therefore the court enables those filing for protection to retain important assets that will help the individual stay out of debt.
Your problems won’t be over once you’ve filed, since bankruptcy will remain on your financial record for the next 10 years and you’ll have difficulties getting credit, so speak to a professional before you decide.
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Frequently Asked Questions...
Should i write off my friend just because im feeling emotionally vounerable right now?
not just one friend, 2 at this point.
one i've known seemingly forever, and just because they havent been 'right there for me' for a little bit, i feel i shouldnt forget about being with them. still, i feel like- to make changes in my life i need a clean slate and that i have to let go of everyhting completely.
im debating wether i should talk to these people right now....
then my second friend, i've basically just become friends with them, and i luv them like a friend. But i just dont have that trust developed and past mistakes/regrets are sort of still clouding what should be now a stable friendship. again, i want to start my clean slate with her on my side, but emotionally i just cant get myself to do it.
read my other question idc
stories people!!!
im just venting dont get all pissy with me alright? im not in the mood.
anybody there? plz? *cries* u can be pissy if that means i can get answers!
im boring myself to tears here!!
Answer:
im guessing the 2nd frend is possibly me and i feel liuke we've grown apart and nit much trust has bonded us and if ur willing 2 start over so am i !
