Benefits of Bankruptcy

Like most people, you have spent a lifetime doing the right thing: struggling to pay what you owe, perhaps even being unable to provide for the medical needs or the well-being of yourself or your loved ones.

But now, you are besieged by creditors threatening to sue you and garnish your wages or seize your property. They call you at all hours, both at home and at work. You feel your job is threatened by those intrusions. You don’t want to answer your phone. You’ve stopped opening your mail. You may not be able to solve your financial problems alone.

Do You Need a Bankruptcy Lawyer?

Bankruptcy may be the solution. You need to talk to a professional about your options, to a person skilled in bankruptcy law and procedures. You want to do it discreetly and without charge, before you make your decision.

You need to feel comfortable with the law office you choose to represent you, knowing that they understand what you are going through, including the fears and uncertainties that you are experiencing. You need to feel confident they care about how bankruptcy affects you, your career, your family and your eventual financial stability.

Generally your best bet is to make an appointment with a bankruptcy lawyer for a free, confidential discussion about how bankruptcy would help you. This also gives you the chance to meet the lawyer and be sure you feel good about them and trust them. You are the client: you have choices and should feel your bankruptcy lawyer understands you and your situation.

You might be surprised how much it helps your peace of mind just to get some initial information. To make an appointment to speak with bankruptcy lawyer Marji Hanson, contact the Law Office of Marji Hanson today. Marji works with clients located in Salt Lake City and throughout the surrounding area.

Reasons You Might File for Bankruptcy

If you have doubts that you need to file for bankruptcy, consider the following problems that may indicate that you need to seek relief from debt in Bankruptcy Court.

Too Much Debt, Buying on Credit, and Can't Make Payments ...

• My debt is more than my annual salary, not including car or home loans.
• My payments are over 25 percent of my take-home pay.
• I am frequently late on my payments.
• I buy necessary items like food, gas or clothing on credit.
• I am considering a loan to pay other loans or debts.
• I pay 20 percent interest on most of my debt.
• My debts are increasing monthly.
• I have medical bills over $5,000.
• My rent or mortgage payments are late.
• I owe income taxes I am unable to pay.

Debt is Affecting Your Life and You Can't Get Ahead ... 

• Our financial difficulties are causing marital problems.
• We are getting divorced and have too many bills to pay.
• Creditors are calling.
• I am “robbing Peter to pay Paul.”
• I frequently need cash advances or borrow from friends and relatives.
• I owe more on my car than it is worth.
• I can’t afford car insurance.
• I have no savings.
• My wages are being garnished.
• I have been denied additional credit.
• I am being sued.

Learn More About the Benefits of Bankruptcy and How it Can Help You

Keep reading to learn more about the benefits of bankruptcy. To speak with a bankruptcy attorney about your specific circumstances and whether bankruptcy is a good option for you, contact the Law Office of Marji Hanson for a free, confidential consultation.