In the spirit of the holiday season, instead of the 12 days of Christmas I thought we would give you the 12 reasons you should talk to a Fort Worth bankruptcy attorney.
The first step to overcoming a debt problem is recognizing that you have one. If worries about your credit cards, car note, or mortgage are keeping you awake at night, you probably already know that you are in over your head. But if you have been cruising along, juggling credit cards and happily spending, you may not yet realize just how dangerous the path you are on is for your financial future. If you find yourself in any of these situations, think seriously about addressing your debt.
- You routinely spend more than you earn.
- You make only the minimum payment required on your credit cards.
- You’re unsure about how much you owe or what may be on your credit report.
- You skip payments on some bills in order to pay others, or use cash advances on one credit card to pay off another.
- You find yourself arguing with your spouse about money. Or, you are afraid to talk to your spouse about money at all.
- You are borrowing money from family or friends to make ends meet.
- You’ve recently been turned down for credit or a loan.
- You panic when faced with an unexpected expense, such as a car repair.
- You owe more on your car than is worth.
- Creditors are calling you about overdue bills.
- You’re thinking it would be better to just stop making payments on your debts.
- You have no money in savings to cover emergency expenses.
