We Need You to Look Us in The Eye

When you talk to us about bankruptcy.

Do you….. have very few or no assets to divide?
                     have no dependent children?
Are there… bill collectors pressuring you?
Has your….car been repossessed?

When you talk to us about your life

Do you have…credit card debts and unpaid bills?
                          dependent children?
Are there…… co-signers on loans besides the two of you?
Are you….. living apart and struggling financially?

Is it generally better to plan my bankruptcy now, but to wait until my divorce is final before actually filing bankruptcy???

Do you…….owe money under a divorce decree?

You need to know how bankruptcy can help you manage your obligations!!

THE MYTH:	Bankruptcy leads to divorce.
THE REALITY:	Bankruptcy isn't the problem - not being able to pay the bills is. Filing bankruptcy often strengthens a marriage by relieving the financial stress.
THE MYTH:	Divorce and bankruptcy are two totally separate legal proceedings; neither one will have bearing upon the other.
THE REALITY:	Property awarded in a divorce can sometimes be used to pay creditors in bankruptcy. Divorce may break you up legally, but financially you are still tied to each other. On the other hand, bankruptcy deals only with debts that are in existence the day you file bankruptcy.

It's crucial to obtain expert legal advice. Your divorce attorneys and your bankruptcy attorney need to coordinate their strategy on your behalf!

?	My spouse has been living out of state for the past few years. Does that matter in bankruptcy? Does it make a difference in divorce?
?	Is it better for people who are planning to divorce to file bankruptcy together or separately?
?	My mother co-signed for the loan on our house? Will that be important?
?	I have an heirloom organ that my children are learning to play. Will I be able to keep it if I file bankruptcy after the divorce?
?	My husband just got laid off, but he might be called back. How will this affect my chances of getting child support payments from him?

We Can't Talk to you Sincerely, if you Can't come in and see us and look us in the eye about your financial situation!

To schedule your free consultation, call (619) 272-8621