When a consumer sees an attorney about their debt problems, they want that attorney to determine the best ethical solution, involving them spending the least money and the least amount of time. For most people, that is going to mean either Chapter 7 or Chapter 13 bankruptcy.
They may also end up in an active bankruptcy case that takes ten times longer than necessary.
Almost everyone thinks about death at one time or another, especially after the passing of a loved one or good friend. One of my close friends passed away recently, and it made me think about the interrelationship between what I do, working with people to solve debt problems, and what we can do to solve these problems. I realized that this happens much more often than I had previously thought.
This week, a couple came to my office to talk about the wife's mom. Her husband had passed away about two years ago, leaving his wife with almost nothing. There was money to pay for the funeral, but no life insurance or pension plan or any other money.
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.