26th Mar 2018

What would you do if the air conditioning goes out in your house tomorrow or if the transmission goes out in your car? Could you afford it? Would you have to go without food or electricity to cover the minor emergency?

Sadly, most Americans live from paycheck to paycheck with nothing in savings. This tragic truth is a recipe for disaster. It is not a question of “if” an emergency will pop up, but “when”. We know they are out there and will raise their ugly head at some point and we need to be ready.

If you are one of the masses having to spend every last dime to just survive, you should think about a way to tighten up your budget. For many of my clients, that was has been to discharge, or wipe out, their credit cards, medical bills, pay day loans, etc. through a Chapter 7 or Chapter 13 bankruptcy. By filing bankruptcy, you would no longer have to pay these unsecured debts and the creditor would be prohibited from collecting against you.

Bankruptcy has many advantages. It keeps creditors from calling you or sending bills or letters. It stops lawsuits, judgments, repossessions, foreclosures and garnishments. It will help you free up your budget for the more important things in your life and help you care for your family. Bankruptcy is not a solution for everyone, but most people qualify and receive great benefits from filing.

If you are interested in learning more, I offer a free consultation for you to come in and we can discuss your options and determine whether you qualify. Please contact me at 281-847-4345 or rkemsley@kemsleylaw.com to schedules your free, no obligation consultation. I look forward to hearing from you soon.

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