Should I File Bankruptcy

April 19, 2009 · Filed Under Declaring Bankruptcy

If you are asking yourself should I file bankruptcy; then chances are you feel like you are drowning in debt. Maybe you are a month behind on your bills. Unfortunately this is a question that no one can answer except for you.

This is a tough question and of course there is no easy answer. If you are asking yourself “should I file bankruptcy?” My advice to you is you definitely should seek the advice of a bankruptcy attorney and talk to them about your ordeal.

The most difficult part for people is to admit that they need help. Do not worry most attorneys are not going to charge you to come into their office to talk to them and ask them whether you should file bankruptcy and if they do charge you then I would not go visit them.

If you want to talk to an expert online then you can definitely get your question about “should I file bankruptcy” here. One of the main reasons that I chose to file bankruptcy is because we were behind on our bills and I could not seem to make enough money.

Even though I did have a job it is difficult to go from making $23.00 per hour and then getting laid off and getting a job that only pays $8.00 per hour. If you ask me the wages today that they expect you to live off of are ridiculous. How can you expect someone to pay rent or mortgage and feed their families on just $8.00 per hour?

Even though I am still only making $8.00 per hour and working on bringing in more money; we are still finding ourselves living on a very tight budget. We are getting our bills paid; but until we find a way to bring in more money; chances are we are still going to have to watch every penny.

So if you are asking “should I file bankruptcy” then I hope that you are able to find an answer to your question. Remember this should be your last option; as you do not want to put yourself in a situation like I have put myself in. Even though I am grateful that we no longer get all the calls from the creditors we are still learning how to rebuild our credit.