NJ BANKRUPTCY 911

(201) 673 – 5777

NJ BANKRUPTCY 911

(201) 673 – 5777

There is something about starting a new year that makes people more optimistic than any other time of year.  Every January 1st we get another chance to begin fresh.  For many people it means admitting their financial affairs need to be addressed so that they can get that fresh start.

Picking up the phone is the most difficult part of the process according to my clients and most clients tell me it takes weeks, months or sometimes years to build up the courage to make a phone call to simply discuss bankruptcy as an option. My response is that there is nothing to worry about because it is just a conversation–a way to gather information– so you can make an informed decision.  Education is power!

It is not too late to start off the new year right!

It is not too late to start off the new year right!

As most of you know if you are reading this blog, the economy is in the gutter and despite what they say about unemployment, unfortunately unemployed is extremely high.  So is it all doom and gloom?  No!  It is possible to get a fresh financial start so you do not have to look over your shoulder afraid that one garnishment ended and another is set to begin.  Why not ensure that you get your tax refund as appose to a judgment creditor who is just waiting to execute on a bank levy for a debt that is so old and was transferred so many times you do not even know who or if the debt was yours.

People that come to see me come because it is an absolute last resort.  They are ashamed and still in shock that their financial life has come to this.   Most people have exhausted savings and retirement plan because they felt that was the right thing to do.  There should be no shame in having to filing bankruptcy but it should be used as an experience you can learn from so that you can make better choices in the future.  With age comes wisdom and that wisdom can be used to avoid past mistakes if those were mistakes were even your fault.  Unemployment, separation, divorce, illness, deaths in the family and other devastating events almost ALWAYS precipitate the need to file for bankruptcy.  Those are simply not your fault!

My clients come to my office for debt relief and a fresh start and what they find is compassion and sympathy.  My office is not judgmental.  We are here to help you!