This past week I had free chapter 7 bankruptcy consultation with two very different women. Each of them had serious debt problems. Each needed to file for chapter 7 bankruptcy. Each was the result of basic mistakes in handling their finances. What pushed them toward bankruptcy was not of their own making:
- The first had a good bit of credit card debt. For a single person, maybe too much. All was manageable until the day she lost her job.
- The second survived a very painful divorce with a husband that would not rest until he destroyed her in every way including her finances. He claims self employment, but refuses to pay a dime in court ordered child support. When he does it is only enough to stay out of jail. This has forced the wife to resort to her credit cards to put food on the table for their children. She is a professional with a good income, just not enough to run a household and feed her children.
Both want nothing more than to live within their means and to enjoy a debt free lifestyle. Each one came to me because a caring friend who I represented in their own chapter 7 made a direct referral.
Each of these women from far different backgrounds concluded their free chapter 7 bankruptcy consultation by asking the same question: Does this mean I am a total loser?
It’s not about losing. It’s about getting back in the game
You are taking the first step to doing something about restoring a firm financial foundation to your household. Welcome to the debt free lifestyle. You are controlling your life and your money. You are taking responsibility for the financial health of your family. It is not about winning. There are no losers. It is about being in the game.
It is very hard to be in the game when all of your activity centers on survival. Constant collection calls act as a reminder that you are working you butt off just to keep your head above water to keep your family safe. Why doesn’t anyone else see that? They are not part of the answer in any way. Being in my office is only part of the answer. Making a commitment to a debt free lifestyle is the answer.
To answer your question I’ll quote my oldest son. While waiting on Christmas Eve dinner in 2008 he said: “Life is not about being dealt good hands. It is about receiving a poor hand and playing it well. That is how I approach life.”
Welcome back to the game. Can I deal you in? Call me.
Photo from iStockphoto.com.