The vast majority of people who file bankruptcy are good, hardworking people who have experienced a severe unanticipated circumstance.

Often, these folks never even contemplate bankruptcy until they had no other options. They have gone through whatever investments they may have accumulated. Many people refinance real estate or liquidate their 401k accounts to pay off debts. They believed they were responsible for their debts, and they tried to take care of their financial obligations themselves. Many others utilize credit to help get by in the short-term, “robbing Peter to pay Paul”. They borrow money from friends and family to pay off aggressive collectors, often doing significant damage to both their credit and their personal lives. Folks often express their regret in not having filed their bankruptcy sooner. We can protect your assets if you call us early.

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