You are embarrassed. You thought you would never, ever, be in this position again. But here you are -- the bill collectors are hunting you down and the telephone rings almost nonstop. The pressure is mounting and you know what you need to do. You have to file bankruptcy. Again.
I looked at my schedule today and a number of prospective clients were scheduled to come in, similar to most of my days. Most of them will show up. However, sometimes one or two may not, and they may not tell us that they aren’t coming in. This gives me time to think about why they may not show up, and to write blog articles like this one. Why wouldn’t someone come in to see us? The consultation is free, after all. We are here to help you with your financial situation.
You really want to change your life around. You want good health for you and your loved ones. You want a solid source of good income. You want world peace. And you want your bills to go away. While we can't solve everything on your list, filing a Chapter 13 bankruptcy may help with the bills.
The e-mail packed with desperation. The potential client had a judgment slapped against them by one of their creditors and, in this case, their assets were in jeopardy and their bank accounts were a target. They wanted to know if there was anything I could do to help them. They were scared and desperate. That's when I told them about putting a freeze on a freeze.