"I do not want to do this - why me?" or "I can't believe this happening." are common thoughts people have when they realize their debt burden is so great that bankruptcy is the only real solution. It can be a lonely and guilt ridden place to be.
There is much information to be found on the mechanics of filing bankruptcy but very few people take the time to consider the emotional impact that it can have on a person. If you are thinking of filing for bankruptcy, do not internalize the process as a negative reflection on yourself. Sure, nobody wants to go bankrupt but you might be there because of reasons that were beyond your control such as astronomical medical bills, for instance. Buck the antiquated social stigma that you should be able to handle whatever is thrown at you financially.
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Life can be a difficult road to travel at times and it can get the best of you through no fault of your own. However, this does not mean you are off the hook if your actions did lead you to being in over-your-head financially. Perhaps too many spending binges resulted in crushing credit card debt or a gambling habit is an issue for you. Whatever the reason you have an obligation to learn from the experience and make corrections so that you can become a better person.
Perhaps professional counseling is in order or help from friends and family. Again, however, making poor choices at one point in your life does not make you a bad person. We all fail and are not perfect. Learn from your experience and grow as a result. Also, know that you are not alone. There were 1.4 million non-business bankruptcies in the United States in 2009. Simply being aware that many people find themselves in the same situation you are in can help alleviate the feeling of loneliness.
Keep in mind during your decision making that bankruptcy is intended to provide a new start for people and wipe the financial slate clean. Being in debt year after year is debilitating emotionally and keeps your from building a better life. Our society has provided this avenue because we realize that people need to be able begin again and not suffer for years.
Consult with a bankruptcy attorney to learn what can be done in your situation. He or she might be able to recommend ways to work with credit counselors to avoid bankruptcy, if possible. If bankruptcy is the best option, a qualified attorney can help you file the necessary paperwork and answer your questions. Whatever choice you make, remember that everybody is allowed to make mistakes. Just do your best to learn and grow from the experience.
Is Bankruptcy Right For You? Talk to Bankruptcy Attorneys Free and Confidential. Licensed bankruptcy attorneys are available. Attorneys will call you to discuss your case for free. Find out if bankruptcy is right for your situation.
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