We are bankruptcy attorneys located in Middletown, Ohio. We have been in practice for over 28 years.
Are you struggling with debt? In over your head? Maybe you have not have made it to the point where you are behind on your debts, but they are just overwhelming. Maybe you have reached to point to where you are behind on your debts, when the phone rings constantly with creditor calls and your mail box is full of collection letters and even perhaps notices from the court. No two stories are the same as to where you are when it comes to your debt. But bankruptcy could be the solution no matter where you are with your debts. Tax time is a good
time to consider filing for bankruptcy. Once you receive your tax refund you may consider paying on some of your debts, but most likely there will not be enough cash to pay off all of your debts with your tax refund. So if pay all of your refund towards one debt (perhaps a credit card, which you will use again) and leave all of your other debts, this has not really helped you because you will still be struggling every month to pay the remaining debts. You could just blow all of your cash and have a fun vacation and shopping spree, but really if you are struggling with debts this is not a good way to spend your funds. Using your tax refund for one year to file for bankruptcy protection will not be so bad when you look forward to a fresh financial start with no debt. All of your debt could be gone and you would then have the funds to fund that vacation or shopping spree. Then before you know it tax time will come again and you will be able to spend your refund as you wish with no debt hanging over your head.
Chapter 7 bankruptcy will offer you a fresh financial start in the way that it will discharge all of your unsecured debt under the bankruptcy code. Once you file for bankruptcy protection your creditors must stop all collection efforts, this includes phone harassment, harassment by mail and court proceedings. It would be a smart idea to use your tax refund to retain a bankruptcy attorney and wipe all of your debts clean. Instead of just wasting your tax refund you could use it to retain us as your attorney and we will help you with the process of bankruptcy filing. Bankruptcy is not such a bad thing, it is there for a reason, there is no reason to feel guilt or be embarrassed just because you have hit hard financial times. Bankruptcy happens to good people. We will be able to help you get the fresh financial start you are looking for.
For more information check out our website at www.middletown-bankruptcy.com.
Contact your Middletown Hills, Ohio bankruptcy attorney today. We offer a free consultation and fair fees!