If you are struggling with debt, the holiday season can be a difficult
time. Many people who are faced with insurmountable debt are unsure if
they should file for bankruptcy before or after the holidays. If you are
considering filing for bankruptcy, the following reasons show why you
should file before the holiday season passes.
Cease Harassing Collection Calls
Are you tired of having overbearing collectors constantly calling you,
leaving threatening messages? Nonstop, badgering collection efforts be
a real downer during the holiday season and create immense pressure. Immediately
upon filing for bankruptcy, these calls are ordered to stop, giving you
much needed breathing room to step back and get your finances in order.
Avoid Accumulating More Debt
If you are struggling financially, this can be a dangerous time as it can
influence you to make purchases on credit that you cannot afford. Filing
for bankruptcy can help with this temptation. In fact, filing before the
holidays can help you avoid the possibility of being accused of racking
up large purchases during the holidays and then filing for bankruptcy
to discharge the debt. Most luxury purchases on credit cards within 90
days of filing for bankruptcy will not be discharged.
Start the New Year Off Right
What better time than the holidays to start fresh towards a debt-free future?
Filing for bankruptcy before January rolls around can get you moving towards
a financially sound 2016 ahead of time. Imagine how good it will feel
to no longer have the immense weight of debt on your shoulders! By getting
the ball rolling early, you can pursue a fresh start early on in the New
Year and will already be working towards establishing manageable budget.
Hire a Sterling Heights Bankruptcy Lawyer
If you are bogged down by debt and are looking to file for bankruptcy, a
Sterling Heights bankruptcy attorney from Hensel Law Office, PLLC can help you find a customized solution to
your financial situation. I, Attorney Thomas Hensel, have assisted countless
clients in Michigan since 1999 and can walk you step-by-step towards a
financially prosperous future.
To get started,
request a free consultation online or call my office today at (888) 258-0651.