Why Consider Bankruptcy?

You may be considering bankruptcy when some or all of the following occur:

• A creditor or collection agency repeatedly calls you, either at home, at work, or both, seeking payment from you that you don’t have

• A creditor has filed a lawsuit against you and if they obtain a judgment might garnish your wages or attach funds in your bank account

• You have fallen behind on your mortgage payments and the lender is threatening, or has started foreclosure proceedings

• You have guaranteed a debt of a business that is no longer operating or is operating unsuccessfully or have guaranteed the debt of another party

• You owe past income or sales taxes