Life can be shockingly unfair. You have done everything right. You held down a good job, paid your bills on time, and watched your expenditures. But you cannot control everything. If you were laid off from your job through no fault of your own, the financial consequences can be catastrophic. It can put you in serious debt and trouble. This is especially the case if you have had to care for other loved ones. You may have carried on a brave and impressive struggle to keep up with your bills. But it may be time to save yourself the stress and strain of doing so.
Declaring bankruptcy may be your best option. Working fairfax va bankruptcy lawyers can help you protect your interests and lay the ground work for an entirely new life. Bankruptcy need not be the end of the world. The uncertainty and volatility of these times has produced plenty of financial failures. It has given rise to a record number of bankruptcies by ordinary people. It is possible for you to recover from such an event. You can make the beginnings of a new foundation and move on from such a dark time.
Your creditors will have lawyers looking out for their interests. You should have the same. You should have a legal team that will ensure that the law is applied, and that you are treated in a fair and equitable way. Your finances may be such that you only need more time to repay your debts. Working with a bankruptcy lawyer will help you draw up a schedule that you can sustain. If you are in much deeper trouble, then you may not be able to repay your creditors at all. If this is the case, then your bankruptcy lawyer will ensure that you are not deprived of the things that you need to start life fresh.
Bankruptcy no longer carries the stigma it once did. However, there are consequences to the filing of such papers. Your bankruptcy will remain on your credit report for at least five years, which will make it hard to get a loan or a credit card during that time. This need not deter you from making a fresh start of it, especially if your revenue stream begins to pick up again shortly after your bankruptcy.
The important thing is to work with a bankruptcy attorney with the expertise and experience to protect you against aggressive creditors. Your lawyer will also act as an advisor as you attempt to navigate the world after the declaration of bankruptcy. This can be a tricky time, but with the right legal advice you will be able to get through it intact.
Bankruptcy laws were put in place to help ordinary people like you get through rough financial times. You should not feel bad about your need to resort to bankruptcy. You are not the first person to have to take this action, nor will you be the last. Working with a lawyer can help you get through the worst of it.
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