Stress. We hear and read about it every day but most of all we feel it. Stress is that feeling of being overloaded with burdens. It can affect us emotionally, mentally, and physically. It can have detrimental effects on our work life, home life, marriage, friendships, and health.
So, it’s no big surprise to anyone that our financial situation can be one of our biggest stressors. It’s tough enough trying to pay the monthly bills, groceries, car payments, childcare, student loans, insurance, etc. Throw in the unexpected and unbudgeted car repairs, home repairs, broken appliances, medical bills, or even a job loss, and the stress sets in. Sometimes we might turn to credit cards or payday loans to cover the expenses. Now we’re trying to make those payments too and start feeling like there’s no way out. So, what do we do now?
First, know that you’re not alone. People fall into debt for many different reasons and it doesn’t make you a bad person. Second, seek out information on ways and options that can improve your situation. Information itself can often be a great stress reliever. Bankruptcy is not for everyone, but how do you make the right decision if you don’t have all the information? There have been many times a person has come to our office buried in stress, fear, and even in tears but left with a feeling of relief and possibly even a smile on their face while realizing that there can be a light at the end of the tunnel. The bankruptcy process was created for a reason. We can’t control some of the unexpected financial burdens that befall us or maybe we’ve just made some bad choices. One way or another we all need a competent and compassionate person to show us the way to a fresh start.
If you seek information about the bankruptcy process from Chapter 7 and Chapter 13 bankruptcy lawyers in Branson Missouri, contact Licata Bankruptcy Firm. We can help you figure out whether you should file for bankruptcy and hope to alleviate some of your stress along the way.