“I can’t believe this is happening to me. Life’s not fair. I haven’t done anything bad. Why do I feel like I’m being punished for something I didn’t do?” These are words I often hear from clients who come to me for bankruptcy advice.
Some people are quick to pass judgment on people who file bankruptcy—until one day they find themselves in the same situation. Contrary to what others may think, most people who file for bankruptcy are honest, hard-working individuals who simply need to get a fresh financial start. Yes, they are your normal, everyday folks—just like you and me who have jobs and families. They may go to the same church that you go to. They could be your next-door neighbor or your co-worker. No one—absolutely no one—is ever exempt from the uncertainties that life brings us.
At one time or another in your life, you may face debt problems that you don’t know what to do about. You may find yourself unemployed, sick, in the middle of a painful divorce or a failed business venture. We are living in tough economic times. You may know several people right now who are going through foreclosure and for the first time in their lives are facing the prospect of being homeless. It may seem unthinkable, almost impossible for something like this to ever happen to you until one day, life throws you a curve ball.
I explain to my clients that Bankruptcy is nothing more than a tool to help you obtain a fresh financial start. The honest debtor who lacks the resources to pay back creditors is given a chance to start a new life free from the burden of debts. Do you realize where most people would be today had they not been given, at some point in life, a second chance that they so badly needed in order to start life over? I think our very own US Congress realized this more than 100 years ago and thus enacted bankruptcy laws that will help debtors who are in genuine need of debt relief. These laws were passed to help, not hurt you.
So if you are facing serious debt problems and don’t feel like you deserve to be in this situation, there is no need to over-analyze everything and try to make sense out of what you are going through. The first step to financial recovery is a simple acknowledgement of where you are and taking responsibility for your problems—whether self-caused or not. Whatever you are going through will soon pass. The past doesn’t have to be your future- unless you let it, by dwelling on things that you cannot change. You can do better than that.
If you are in debt and are constantly worried about your finances, let me help you. For a free consultation, call Toll-Free 1-866-477-7772. Let us evaluate your situation and recommend possible options. We have offices in Glendale, Cerritos, West Covina, Valencia and Riverside.
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None of the information herein is intended to give legal advice for any specific situation. Atty. Ray Bulaon has successfully helped thousands of clients in getting out of debt. For a free attorney evaluation of your situation, please call Ray Bulaon Law Offices at TOLL FREE 1 (866) 477-7772.