Don't Feel Guilty About Filing for Florida Bankruptcy | Daily Rosetta ...

Don?t Feel Guilty about Filing for Florida Bankruptcy Date: 23 September 2011 Contributed by EIN Presswire Taking care of yourself and your family should be your first priority. Understanding your bankruptcy options and making informed decisions about your budget and where your hard-earned money goes each month is the right thing to do. Do not feel guilty about speaking to a bankruptcy attorney to learn about your options.

September 23, 2011 /24-7PressRelease/ ? at the end of the day, all that really matters is you and your family. Do you have what you need in terms of food, clothing and shelter? With those pieces covered, do you have extra money in the bank? Have you been able to save for an emergency fund or your kids? education? right now, people throughout Florida and throughout the United States are struggling with the same issues and wondering what options are out there.

Investigate your options. if you decide it?s the right step for you and your family, don?t feel guilty about considering bankruptcy. Discuss your questions and your concerns with an experienced Tampa-area bankruptcy attorney. Learn the facts and how the decisions you make today can help your family succeed in the future.

There is no need to feel remorse about seeking bankruptcy relief or needing assistance getting a fresh start. A bankruptcy attorney can explain your options, what debt you can and can?t discharge and help you get back on your feet, moving toward financial freedom.

Credit Card Companies Have Reported Record Profits

You are not alone. A recent U.S. Census report indicated that Americans carried approximately 886 billion dollars in credit card debt. that number is expected to grow to a projected 897 billion dollars by the end of 2011. while you have been struggling with debt, whether due to job loss, medical bills or sky-rocketing interest rates, credit card companies have been profiting, in record numbers no less.

Interest rates on credit cards average 14.73 percent, with some reaching as high as 30 percent. The average credit card holder has $5,100 in debt and, along with rising unemployment, there are a great number of people without the resources to ever get out from under that debt, but the banks continue to profit.

It wasn?t too long ago that the same banks who are crying foul about consumer bankruptcies were anxious to loan out money, hand over fist, to consumers. more loans meant more fees and more interest payments for banks; more fees and interest meant more profit.

Even more recently, those same banks took bailout money from the government, money that came from your pocket as a taxpayer. The bailout funds were ?necessary? to keep the banks solvent, or in other words, to keep the banks themselves from needing bankruptcy protection. unfortunately, the government isn?t also knocking on consumers? doors with huge checks to keep you out of bankruptcy too.

Money was directed to the large banks, who, instead of helping the taxpayers who helped them, paid out huge salaries and bonuses to the same executives who lead the banks toward insolvency. Meanwhile, consumers throughout Florida and the rest of the United States have been left struggling to make ends meet.

Taking Control of Your Financial Future IS doing the right Thing

Being honest with yourself about your financial situation, talking to a bankruptcy attorney and understanding all of your options are the first steps toward rebuilding your credit and starting over. There is no shame in seeking help when you need it, particularly when it?s help that the law specifically allows and has laid out for your particular situation.

Bankruptcy stops all collection activities: the harassing creditor calls, the collection notices piling up in your mailbox and the filing of a collection lawsuit by your creditors trying to force you to pay a debt that you can?t afford. it gets you on the path to a fresh financial start. an experienced Tampa bankruptcy attorney can explain how a Chapter 7 or Chapter 13 bankruptcy can be the solution to your financial problems.

Article provided by P.R. Smith Law Group P.A.

Visit us at bankruptcyhelp4u.com

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