Periodically I reach out to people here in New Jersey that have consulted with me on bankruptcy to keep them updated or find out how things are doing. What I often discover is that they still have not filed! Although there may be many reasons for this, I suspect it is because they equate filing bankruptcy with giving up. That is just not the case!
I have been helping folks here in the Woodbury, Gloucester County, area for over 20 years now, and I have seen where people have been just afraid to pull the trigger. They live on the hope that they will get a job, or a better job, or modify their mortgage, or refinance their home, and they won't have to file. That would be giving up.
Those That File Are Glad They Did!
The irony of the whole thing is, that in that same time period, I have had clients tell me that filing bankruptcy was the best thing they ever did! The bad times are past, and they can see themselves climbing out of the hole.
Part of the tragedy of this is that the "never give up" people could have felt that renewal, but are denying it to themselves. But the real tragedy is that they often dig the hole even deeper before giving themselves permission to climb out of it. They
- take money out of their pensions
- take risky high interest payday or car title loans, or
- let a creditor's collection efforts get so far along that their wages are attached or their bank account is frozen.
Rather than dig the hole deeper, you should climb out of it and move on! Find out if it is the right solution to your situation. Then, if it is, don't wait. You are not giving up; you are moving on.
I Can Help
If you live here in the Gloucester County area, and have been considering bankruptcy, don't wait. Feel free to give my office a call at 856-432-4113 or contact me through this site to schedule an appointment in my Woodbury office to talk about your situation.
If you are looking for more information on bankruptcy, then download my free book, Top Questions People Ask About Filing Bankruptcy in New Jersey.