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Norwich CT: Ch.7 & Ch. 13 Bankruptcy Lawyer

Today it isn't out of the ordinary to know of someone who has filed for or is contemplating filing a personal bankruptcy. Whether it's a Chapter 7 or a Chapter 13 filing, people everywhere are realizing that declaring for bankruptcy might be their best option for resolving debt issues and getting back on sound financial ground. Years ago filing for bankruptcy often meant negligence and failure while today it is more common to see people in debt because of the fallout from the housing bubble, recession and unemployment. People who felt well-off in 2007 suddenly found their finances to be in the red and bills piling up only a year later and to date many have not recovered. Putting off tough financial decisions won't make things any easier and if you live in Norwich and need help in determining if bankruptcy is right for you, contact bankruptcy attorney Chris Carrozzella today.

Dealing With Debt

One problem many people have when dealing with debt is admitting that they are in debt. Some manage to trick themselves into believing the situation isn't that bad and they have it under control even when they have four credit cards maxed out and each accruing 20%+ interest rates on the balance due. Admitting you made mistakes when it comes to finance management is not easy but it is necessary to start tackling the problems debt causes. Knowing when you need help is a big step towards getting it. If you are only paying the minimum due on credit cards and other bills, if you've taken out 2nd and 3rd mortgages on your home or if a recent surgery that was not covered by insurance has tapped out your savings then you may want to consider a consultation with a bankruptcy attorney.

Staying Out of Debt

If during your consultation it is decided that you will file a chapter 7 or chapter 13 bankruptcy, you may start to feel relieved. However, it is important that you remember what led to your financial trouble in the first place and avoid making the same mistakes again. If credit cards were the main culprit, cut your cards up and throw them out. Keep one for emergencies but even then you may want to leave it at home where you won't be as tempted to use it. You may want to take financial planning courses that will help you better manage your money.

For a free initial consultation call today: 203-284-1445


*Free Initial Consultation*
Evening & Weekend Appointments Available

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