Is bankruptcy right for me?

We absolutely don't mean to be coy or self-serving; however, you really only can get the answer to this question from a bankruptcy attorney.

However, what we can do is provide warning signs that bankruptcy is imminent and should be considered promptly:

You feel overwhelmed and can't sleep at night because of debt stress. That same stress is causing marital and family discord, health problems, or challenges at work.
Your debt from credit cards, personal loans, and medical bills is equal to or greater than your annual income.
You can only pay the minimums on your credit cards.
Creditors are sending letters, calling you, and/or filing lawsuits to collect on your debt.
Your wages or bank accounts have been garnished.
You can't pay your regular monthly bills or you hesitate before spending money for quality food or medical care.
You are thinking of tapping into your retirement accounts or home equity to pay off your debts.
You've borrowed money from family or friends.
Your car has been repossessed or your mortgage lender is threatening foreclosure.
Your credit cards are maxed out.

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