When reference is made to financial spring cleaning it usually refers to doing a review of your financial situation. Most often with a few tweaks to this an individual can get back on track. There are some that really dread the thought of looking over their finances because they are in such a mess that they feel that that there are no solutions to getting out of this. These individuals are the ones that usually have to consider bankruptcy as their next course of action.
While this may seem distressing, this form of action is really beneficial for financial relief. The problem is with individuals that are in tough financial spots they often try to bury their head in the sand for periods of time because of the anxiety that they feel about this.
The only way that the problem is going to be rectified is by accepting the fact that there are financial difficulties and that they have to be addressed. Individuals who find themselves in this situation should really seek out a qualified bankruptcy attorney and get the opinion of this expert as to whether bankruptcy is going to be the best alternative. Once this has been decided then this same expert can take the individual through the entire process of bankruptcy and determine whether it will be a Chapter 7 or Chapter 13 that they qualify for and will be in their best interests.