Sometimes unexpected events occur in our lives that make it very hard to pay our bills. Even if those bills have always been on time, the loss of a job or an injury preventing work can turn your financial situation completely upside down. Even though you may have a legitimate reason for not paying your bills like you once did, this does not keep the creditors from hounding you for the money that is owed to them. If you find yourself in this situation, it may be time to contact a Wichita bankruptcy lawyer. No one ever plans on filing bankruptcy when we are approved for credit, but in some situations, it may be the only alternative.
If you have gotten three months or more behind on your bills, the creditors may begin closing in on you. If you have a mortgage on your home, it may get foreclosed on. The only way to avoid losing your home could be to file bankruptcy and withhold this debt. This option will allow you to include all your other debts in the bankruptcy so that you no longer have to pay these payments. Doing so can make it easier for you to continue to pay for your home since you have no other active debt.
When you go to speak with a Wichita bankruptcy lawyer, your initial consultation will be free of charge. You can inform him of all the debt you have and he can advise you if filing bankruptcy will help you during this highly stressful time. If you are being constantly harassed by creditors and have decided to file bankruptcy, once you tell the creditors this, they are no longer allowed to contact you. From the time they find out you are filing, they are only allowed to communicate with your attorney. This helps remove some added stress from your life and allows the lawyer to speak to your creditors on your behalf.
If you are struggling with your debt, it is a good idea to contact a bankruptcy attorney to find out if you can get help. You can do this at any time if you visit website.
