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Does it Make Sense to File Bankruptcy Before the Holidays?

Reasons To File:

You’re struggling with your bills and you’re thinking about hiring an attorney to help you file bankruptcy. Although doing so isn’t a decision that you should take lightly,we believe it may be the ticket to a fresh financial start. With the holidays around the corner, being proactive about managing your finances may be just what you need to create a Happy New Year.

Stop Embarrassing Collection Calls:

No one wants to deal with constant collections calls when you’re trying to enjoy the holidays. Thankfully, you won’t have to worry about collections calls once you file for bankruptcy. As soon as you file for bankruptcy, your creditors receive a notice that you have filed and all attempts to collect a debt must stop.  If the debt collectors continue to call you after they receive notice of your bankruptcy filing, you may be able to recover damages under the Fair Debt Collection Practice Act.

Avoid Racking Up More Debt:

If you file bankruptcy now, you won’t be tempted to use your credit cards to fund holiday gifts. Your attorney will counsel you to avoid using your credit cards in the weeks preceding the filing date to avoid the appearance that you did so for fraudulent reasons. As a matter of fact, larger “luxury” purchases on credit within 90 days of filing can hurt your case.

The Perfect New Year’s Resolution:

Decide now to start the New Year without this big financial cloud floating over your head. Now that is a resolution worth sticking to.

The Buettner Law Group, LLC can help your bankruptcy filing go smoothly and get you the New Year you desire. Don’t wait, call 612-377-5311 or e-mail now for a free consultation.

Brea Buettner-Stanchfield–Your Minneapolis Bankruptcy Attorney– Passionate About Protecting & Fighting For The Rights of Consumers.i