Should I File Bankruptcy?
It’s a tough decision when we ask ourselves, “Should I file bankruptcy” and are things bad enough? There are many factors that go into this, and they’re different for each individual.
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Hi. I’m a bankruptcy lawyer, and many people wonder, “should I file bankruptcy?”
This is just a website and can’t give legal advice. However, I’ve met thousands of people with debt problems. So this is intended to give you a sense of how your situation stacks up against others who I’ve helped.
There’s no right or wrong answer. There is only you, and your situation. I hope you find my efforts on this helpful.
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Ok the number is above. What does it all mean?
First, ignore the percentage. And also the million thing. What counts is the last two digits of your score, the number before the “of” and super big number.
Now, could a bankruptcy give you debt relief?Under 15:
LOW RISK: You seem to be in good shape.15-25:
POSSIBLY: A BK may help you. No serious legal problems yet, but unless you catch up, things’ll only get worse. Call for a helpful consultation to stop the bleeding.25-35:
PROBABLY: It can’t get much worse, but if continue to do nothing, it likely will. You really should contact us and let us help before your financial boat takes on more water. Stop procrastinating and start rebuilding with peace of mind.Over 35:
DEFINITELY: Contact a bankruptcy attorney in your area ASAP!
Disclaimer: all of this is not legal advice, but general information meant to help you assess what your options are based on the information you’ve provided. You should consult with a local bankruptcy attorney in your area about the specific and unique circumstance pertaining to your financial condition before making any decisions. Most attorneys will offer a helpful consultation, assess your specific circumstances, and the work involved, and then provide you a quote for their services.
Avoid one-price-fits-all cookie-cutters. You are unique.
Send us your score!
If you’d like to sit down with a bankruptcy attorney and discuss your situation and how maybe a bankruptcy could help you, please drop me a line. Thanks!
- Question 1 of 6
First off,do you live within a 1-hour drive from Los Angeles?
- Question 2 of 6
Great, thanks. Now take your credit card balances and add them all up, whether you’re current, charged off, or somewhere in between. Add the balance of your debts that cannot be repossessed or foreclosed on. This will usually be credit cards and judgments.
- Question 3 of 6
Credit Card Status
Ok, now we’re making progress.
Regarding your credit cards, what is the state of them and their usage?
- Question 4 of 6
Pressures, stressors, and burdens
We’re almost halfway done.
Which — if any — of these events are part of your financial situation?
- Question 5 of 6
If your credit card and other debt you want to eliminate was gone tomorrow, would you be able to cover all of your monthly expenses? (rent, groceries, car payment, gas, etc)?
- Question 6 of 6
Credit Call Harassment
Tell us about your phone call situation. Is your telephone your friend? Or are the creditors making you pretty much hide from it?