(1) You are overwhelmed with mounting debt and regardless of how much you are working your not making a dent in the principal balance.
(2) You are avoiding harassing creditor collection phone calls.
(3) You are not taking care of yourself physically because you can’t afford to go to the doctor.
(4) You are constantly stressed and anxious due to your financial situation.
(5) Your wages are being garnished or your assets have been seized to pay for an outstanding judgment against you.
(6) Your have gone through the foreclosure process with a deficiency judgment.
(7) You are making a habit of taking out cash advances to pay back other lenders.
(8) You are calling friends and family to borrow money to pay for your regular living expenses.
(9) You are selling your few assets to pay bills or floating checks without money in your account, hoping you can make a deposit before it is cashed.
(10) You have drained your retirement account to pay your bills.

If you are experiencing these situations, then bankruptcy is a valid consideration for you.  Bankruptcy can give you a fresh start and the opportunity to become financially stable again.  Many people feel they have been defeated or embarrassed if they file for bankruptcy.  Most people only consider bankruptcy as an absolute last resort. Unfortunately, most people do not consult with an attorney until their situation is urgent and they have depleted all of their savings when they would have been in a better financial situation by consulting with an attorney earlier rather than later.

People come into my office in tears because they have tried everything possible to avoid a bankruptcy.  The truth of the matter is almost everyone you know has faced financial difficulties at some point in past or will at some point in their future.  Many people are unemployed or underemployed because of the current economy. The cost of medical treatment is so outrageously high, even with insurance they find themselves with a significant amount of debt.  I have clients that had good jobs but have become disabled and are now living on a severely limited income.  Others were married and could afford their expenses with their spouse.  After death or divorce they cannot afford the same expenses on their own. Contact me today for a consultation at: 813-463-8000. I am your Tampa Bankruptcy Lawyer.