If I could chose one or two phrases that I hear most often, I would have to say that these are the two winners.
“Rick, I hate the thought of filing bankruptcy, but I am just drowning in debt. I don’t know what to do.”
I hear it every day.
Sure, it’s no fun, but finding out what your options are, especially if you are facing a lawsuit or garnishment, is important. Most people have more options than they know. In fact, most folks are pleasantly surprised to learn that they can discharge all of the debt that they cannot afford to pay, which leaves the money needed for living expenses and paying for what they need to keep.
This is a really startling realization for most. Because they have been told all their lives that bankruptcy was bad. It signifies failure, and means that they must have done something wrong. Nothing could be further from the truth. In fact there are so many myths about filing bankruptcy that I continue to be amazed at the misinformation that continues to keep people from even exploring all of the ways they can deal with what they think is impossible debt. If this describes you, then you owe it to yourself to spend some time reading this website, and watching the videos (there are even more on youtube.com – just visit channel rewlaw195 for all the videos).
You have more options than you probably know. And your journey out of debt can begin here!