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Why I Won’t Let You Pay Your Bills


This happens all too often.

A potential client of Steidl & Steinberg came to us to ask for advice about their financial situation. They were bringing home $1,600 per month. Somehow, the client was paying $600 per month on credit cards alone. That left only $1,000 each month to pay the other bills.

With a mortgage payment of $550 and all of their other expenses like utilities, phone, car payment, groceries, prescriptions, pet care, and gas for the vehicle, this left just $6.00 per month. Sorry, but that doesn’t cut it!

Stop Paying Your Bills

After going over their budget, I advised the client to stop paying these credit cards, simply because they didn’t have enough money.

“What’s going to happen to me?” the client exclaimed.

Nothing, at least not right away.

Since the client was relatively current on the payments, there was no way the credit card companies were going to sue her for quite a while, often a year or more down the road. I did expect that they would call, but they would probably wait at least two months to do that.

The Game Plan

It’s a good thing this client decided to meet with us at Steidl & Steinberg! We developed a game plan to file for bankruptcy in a month. They would use the money they were no longer using for credit cards to pay for the bankruptcy, and we were able to get the creditors to stop the phone calls even before she filed the papers.

So, if I tell you to stop paying the bills, it may sound scary but it is because we have a better plan. But you will never find out your real options unless you contact us.

Is it so important for you to pay money you don’t have to pay for bills you incurred a long time ago that you have already paid for at least twice, including the interest charges? Or is it more important for you to consult with experienced Pittsburgh bankruptcy attorneys who might be able to give you a recommendation based on his or her experience with these situations? Contact us today to schedule your free consultation and get your finances back under control.

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This entry was posted in student loan debt, utility bill, debt relief, debt consolidation, legal consultation, banktuptcy