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Personal Bankruptcy
Bankruptcy is designed to provide people with a fresh start immediate relief from mortgage and other creditors, and the opportunity to regain your dignity, peace of mind and financial footing.
Recently even professionals with high incomes have found themselves in financial difficulty due to the mortgage meltdown and credit crisis.
Here are some signs that you might need to consider a different strategy
Your overall debt is higher than your annual income.
You are continuing to make payments on your debt, but the amount you owe seems to remain the same.
You have received one or more collection notices from creditors in the past three months.
You are being sued.
Judgments have been filed against you in court.
You have to choose between paying credit cards and life's essentials, such as food, shelter or medication.
Your mortgage lender has sent you a foreclosure notice.
A creditor has frozen your bank account.
Fortunately there are options available that can make managing this burden easier.