Mounting bills can put stress on any family's budget, but when there isn't enough income coming in to pay off those debts, late bill payments are inevitable. If you find yourself facing insurmountable debt and bankruptcy appears to be your only option, contact an experienced bankruptcy attorney to discuss your options.
Information About the Bankruptcy Process
Filing for bankruptcy is a powerful legal tool for people with unmanageable levels of debt. At the Bankruptcy Clinic, P.C., we use the bankruptcy system to help our clients reduce or eliminate their debts and get a fresh financial start.
Some basic information about the bankruptcy process appears below. You probably have additional questions about your situation. In a free consultation, an attorney at our firm can answer your questions and discuss what we can do to obtain debt relief for you.
Free Consultation with a Lawyer
For a free consultation with the Bankruptcy Clinic, P.C., call 888-522-6578 toll free or contact us online. We have offices in Carbondale, Marion, and Mt. Vernon, Illinois to serve you. Evening and weekend appointments are available.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
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The bankruptcy laws allow each person to keep all or most of their property. In every case, our attorneys take full advantage of the property exemptions available.
Is Chapter 7 or Chapter 13 bankruptcy right for you? For more information about your debt relief options, contact the Bankruptcy Clinic, P.C.
Surviving the Emotional Effects of Bankruptcy
No matter what circumstances ultimately led to filing bankruptcy, both the practical and the emotional impact on the debtor will be enormous. Confronting the emotional and psychological issues surrounding bankruptcy and reaching an understanding and acceptance of the situation are essential to rebuilding and maintaining a successful financial life. The experienced bankruptcy attorneys at Bankruptcy Clinic, P.C. in Carbondale, Marion, and Mt. Vernon, Illinois, can guide a debtor through the complicated legal, financial and emotional maze of bankruptcy and steer him or her in the right direction for the future.
Filing bankruptcy can, without a doubt, stir up many negative emotions. The debtor's sense of self-worth is often closely tied to his or her financial circumstances. Loss of money can be experienced as a loss of identity, self-esteem and confidence. We live in a society in which image is seemingly bought through possessions. Money can be viewed as a powerful currency not only in a purely economic sense, but also in relationships and thus a real or perceived loss of interpersonal power can ensue when bankruptcy is filed.
Understanding these emotions can help disentangle the practical realities of money from the possibly destructive or limiting emotional response to bankruptcy.
At times of significant loss, people tend to feel that their entire foundation has been shaken and that their most fundamental sense of security has been disrupted. They question their trust in themselves, in others and in the world at large. Although it may be natural for many to bury these frightening emotions, bringing core insecurities to a conscious level can actually reduce fear and the feeling of being out-of-control, which enables individuals to start tackling their situations constructively. In addition, the counsel of a seasoned bankruptcy attorney at Bankruptcy Clinic, P.C. in Carbondale, Marion, and Mt. Vernon, Illinois, can see a debtor through the tough times and guide him or her to a brighter financial future.
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