If you are like most working Americans, you count on your paychecks to make ends meet each month. Every paycheck is important and necessary to pay the mortgage or rent, make the car payment, buy groceries, pay the utility bills, and for each and every other expense that insists on being paid each month. A job loss can be devastating, and even if you do have a little set aside, it can be gone in the blink of an eye as bills come due and your income is no longer coming in.
Every day, we work with people that were managing their bills, making their credit card payments, and getting by… until they lost their job. Even in a joint household with more than one working individual, the loss of one person’s income can mean that you cannot afford everything that needs to be paid and tough choices have to be made.
After a job loss, you are focusing on finding new employment and should not have to worry about collection calls and lawsuits from creditors that you simply cannot afford to pay. Bankruptcy can provide the fresh start you need in order to allow you to start that new job without the overwhelming stress associated with debts piling up at home.
At O’Bryan Law Offices, we work with individuals and families to file Chapter 7 and Chapter 13 bankruptcies. Many of our clients have been faced with life’s challenges, including job loss, and chose to address their debt head on and give themselves the fresh start they deserve. If you are interested in learning about your options through bankruptcy, make an appointment to speak with one of the experienced bankruptcy attorneys at O’Bryan Law Offices today. Call us today at 502-339-0222 for a free bankruptcy consultation.
