Hey... I get it. One thing I've never heard from ANY of my clients is... "I'm so excited that I have to file for bankruptcy protection!" This is a difficult thing to go through and a difficult spot to be in. I get it, because I'VE BEEN THERE MYSELF! Times like these are really emotional and you can feel guilty, ashamed and like a failure.
The best advice I can give my clients during this very difficult time is to treat the decision about whether or not to file for bankruptcy, as a BUSINESS DECISION. Try and remove the guilt and bad feelings. Ask yourself this one question: "What is the best thing for me and my family?"
The harsh reality today is that nobody else is going to look out for you and your family. You have to do it yourself. The politicians we elect to represent us are in the pockets of the big corporations. He who has the gold makes the rules. In America, bug business has all the gold. They make the rules... the deck is stacked against you!
One thing to remember is that there is rarely an actual person on the other side of your debts. You owe money to big banks and large corporations. Do you think the big banks felt bad a decade ago when they wrecked our economy and kicked off the Great Recession? Of course not, banks don't have feelings. Businesses don't have feelings!
Don't take the emotions that you have as a good person and apply them to a corporation that has no feelings. Corporations are designed to do one thing: make money. Every decision that the banks make is a business decision. When you owe them money, think like they think! Make a GOOD BUSINESS DECISION for you and your family.
I know these are hard times, but I'm here to help you navigate this tricky process so you can move forward and keep your dignity.
Take a deep breath....
It's going to be okay! Give me a call and let's discuss your options.
I've filed bankruptcy for thousands of good people in Colorado. No one has EVER said to me "I wish I wouldn't have done that." Life on the other side is better. Bankruptcy is not the end, but rather a new beginning!