Good people are good because they've come to wisdom through failure. William Saroyan (1908 - 1981).
Upon the conclusion of the winter Olympics this year, what really caught my attention were the stories of the athletes. My favorite stories are those athletes that failed before but came back to win. Everyone loves the underdog that comes back to win.
If there was one message I wish I can convey to every person contemplating bankruptcy, it is this: You are NOT a failure simply because you filed for bankruptcy. Just like the athlete that bounced back to win the gold after a severe injury, illness, drug addiction or scandal so can you. We meet on average 16 - 20 clients per week. Assuming 50 weeks, that's over 800 people per year. This doesn't count the phone calls and emails we get from people in financial distress. So I know a little something about people who are filing for bankruptcy. The only common denominator among all these people is that 1) they are in financial distress and 2) they are struggling with the decision to file or not to file. That's where the commonality ends and the uniqueness begins.
Consumer Bankruptcy, Bankruptcy Attorney Oklahoma City, North Carolina Bankruptcy Lawyer,
Who are these people filing for bankruptcy?
Doctors, lawyers, actors, teachers, waitresses, entrepreneurs, business owners, construction workers, financial advisors, accountants, athletes, students, parents, married, divorced, widowed, elderly, young, home owners, realtors, mortgage brokers, investors, government employees, nurses, restaurant owners, researchers, single parents, unemployed, employed, under-employed, receptionists, stock brokers, photographers, artists, designers, home owners... The lists goes on and on... All of them hit a bump on the road. Ok, maybe a very big bump.
All of them have come to a single conclusion - I cannot live with this debt anymore.
For some, this can take weeks. For others, years. Those who have more resources can delay longer, but the truth is, if you are going to file anyway, save your money and file sooner rather than later. Don't cash out your 401(K), don't borrow from your family and friends. The decision is the hard part. Execution is much easier. Just like those athletes that overcame great obstacles to win the gold, so can you. Ask yourself, can I be a better member of society, better father, mother, sister, brother, daughter, son, better employee, better business owner if I didn't have this debt? Of course.
Everyone has their story. Everyone struggles with the decision. It's painful. Many feel a sense of remorse and guilt. The hardest part is making the decision. Do people regret the decisions that led them this point? Yes. Has anyone told me they regret filing? No.
You are not in this alone. You are certainly not the only one with overwhelming debt. Look around. There are cities, counties contemplating or filing for bankruptcy. I certainly don't need to list the companies that have filed for bankruptcy in recent years. I'm stating the obvious by saying we're in very tough times.
Many people delay coming to meet with me - a bankruptcy lawyer - in the same way they delay going to see a doctor. It's easy to ignore the problem and hope that it goes away. You cannot afford to ignore your finances and hope that it will magically get better.
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