The events leading up to having to file for bankruptcy often include having to deal with multiple creditor phone calls per day and harassing letters. This is disheartening and can lead to emotional turmoil. When you file for bankruptcy, you will receive an automatic stay that prevents creditors from being able to contact you about the debt.
We know that this isn’t a position you thought you would be placed in when you started to use credit or had medical bills creep up. Unfortunately, you have some tough decisions to make. One of these is how to handle these bills.
Some people think that bankruptcy is an easy way out of debt. While it is true that you won’t have to repay all of what is owed in most cases, you will still have work to do. Bankruptcy comes with some education requirements that help you learn about using credit responsibly.
When you decide to file for bankruptcy and don’t have to worry about the creditors calling you, there is a good chance that you will feel relief. As you work through the process of getting your bankruptcy filed and discharged, you will be able to take control of your financial future and will have tools to help you.
Filing bankruptcy isn’t a quick process at all, but the automatic stay will provide some immediate peace for you. We can help you get the process started so that you can experience this. You don’t have to deal with the overwhelming stress that comes with being so far in debt that you can’t see a way out.