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From the Series of articles HOW TO CURE YOUR MONEY PROBLEMS WITHOUT FILING BANKRUPTCY!! by bankruptcy lawyer in Post St Lucie Jon L Martin, the author of “What Everyone ought to Know about Debt Relief Today!”

  1. Ignoring the card balance.  Although credit card usage dipped more than 13% inFebruary, almost 15% of American families still owe more than 40% of their income, accordingto the Federal Reserve… “Ask yourself a question, ‘Do I really need that?’, or more important, ‘Can I afford it?’” In these days of lenders looking for any excuse to raise rates and add fees toyour balance, credit cards should be limited to convenience use only. If you can’t pay for thecharge at the end of the month in addition to the regular payment, don’t incur the charge. Ifyou are already overwhelmed, see a bankruptcy attorney A.S.A.P. You and your family will beglad you did.
  1. Walking out on a mortgage. If you owemore than your house is worth, walking away is not your only option, but it may be your best one.The first step is to look honestly at your financesand determine whether you face a short–term or along– term problem. If it’s long term, then youcan’t afford your home anymore. The faster yourecognize it and make plans to let it go, the better it will be. Lenders have shown they are little interested in modifying loan payments nor arethey reducing the amount owed in spite of all the so called consumer assistance plans that weresupposed to help homeowners. None the less, ifyou just “walk away,” you will find yourself facingmore than just a suit for foreclosure. You need aplan to get your name off the title. All kinds of negative things happen without this crucialelement taking place. A good bankruptcy attorney will help you decide the best ways to deal with this issue; some of which are the only way to keep your home and reduce the amount owed.

WATCH FOR PART 2 NEXT WEEK!!!

If you would like to schedule a FREE consultation with a Bankruptcy Lawyer Port St Lucie, please contact Jon L Martin Bankruptcy Attorney at (772)419-0057 or visit us online http://jonlmartinlaw.com/.

With over 40 years of combined legal and business experience, we have helped hundreds of people in and around Martin and St Lucie County to relieve their financial problems. Bankruptcy Lawyer Port St Lucie and a chairman of Martin County Bar Bankruptcy Committee Jon L. Martin helps clients throughout the following cities and surrounding areas: Hobe Sound, Jensen Beach, Palm City, Port Salerno, Port St. Lucie, Stuart, Vero Beach, and the entire Treasure Coast of Florida.

Bankruptcy Lawyer Port St Lucie – What everyone ought to know about:

DEBT RELIEF TODAY!

Why do you need a bankruptcy lawyer in Port St Lucie?

Over the last several years as a Bankruptcy Lawyer Port St Lucie, I have seen folks struggle against overwhelming odds to keep the bills paid, food on the table for their children, clothes on their back and a roof over their heads. Many soon find themselves cutting back on groceries, medical and dental care to maintain impossible debt loads while lenders continue to refuse to help these folks adjust their obligations to an affordable level to assure payment.

But what is a breadwinner to do? They must have reliable transportation in today’s world to maintain employment. It only makes sense to incur mortgage payments to provide housing and security for our families. We save, struggle to pay our bills and work hard to establish good credit so that when we have unexpected illness or layoffs or downsizing of our job we will have an extra fall back resource. But would anyone who is laid off and out of reserves let their children go hungry so as not to charge some groceries on a credit card? How about the elderly who’s savings have run out and need to choose between their medications and groceries because their Social Security check won’t cover both? Fact is, we need an adjustment in how we think about “survival” debt.

Gov’t Relief Programs?

We now have a gov’t program to fix everything . . . Or do we?

Who can support a family today on a social security or disability or survivor’s check, or unemployment compensation? Or for that matter, two or three part time jobs? Yet Government blindly plows ahead with expanding infrastructure spending and “public benefits” that demand ever increasing taxes on all that money you aren’t making!

No, you are not going to find help to escape the slavery of overwhelming debt from the Gov’t. The only Gov’t program that provides REAL RELIEF is Bankruptcy, which is what everyone is trying to avoid!

Debt Consolidation?

I cannot count the number of people who come to me after they have spent a year or two making payments to resolve their debts only to find the sheriff on their doorstep with a lawsuit from the credit card company because the debt consolidation company paid themselves first, instead of the creditors.

Since all correspondence has been going to the company the client doesn’t realize what’s happened until he is served with court papers! Now he is faced with the legal fees he was trying to avoid in the first place as well as the possibility of garnishment of up to 25% of his wages!

All that time, effort and money has been wasted. Moreover, because the Credit Adjustment Company is now gone, the credit collectors return with a vengeance! Here again you end up with no choice but to file the Bankruptcy you were trying to avoid!

Hmmmm!!?        Well then . . .

 

The Truth about Debt Relief and Bankruptcy in Port St. Lucie

  The truth is Bankruptcy is not always the answer either! A good Bankruptcy Lawyer Port St Lucie has more than one way of dealing with debt and credit problems! This is because no two problems are exactly the same. Many people have special circumstances that need to be considered to get the best result. You wouldn’t hire a carpenter with just one tool, so why would you hire an attorney with only one answer? At the same time, a good Bankruptcy LawyerPort St Lucie Florida should be able to address a variety of issues in a variety of ways both with, and without bankruptcy!

  • Lawsuits
  • Collections
  • FDCPA issues
  • Foreclosures
  • Modifications
  • FCRA issues
  • Student Loans
  • Life & credit after BK
  • Bankruptcy avoidance
  • Business strategy

SO! BEFORE you talk to a credit collector; enter into a settlement agreement; OR EVEN THINK of hiring a Bankruptcy Attorney; Learn what Mortgage Lenders, Credit Card Companies, and other Creditors don’t want you to know! CALL TODAY!!!

(772) 419-0057

For a Free Copy of my new e-book!

DEBT RELIEF TODAY!

LEARN what QUESTIONS YOU SHOULD BE ASKING, but DON’T KNOW you should be asking!

If you would like to schedule a FREE consultation with Bankruptcy Lawyer Port St Lucie to discuss your options, please contact Jon L Martin Bankruptcy Attorney at (772) 419-0057 or visit us online at http://jonlmartinlaw.com/. With over 40 years of combined legal and business experience, we have helped hundreds of people in and around Martin and St Lucie County to relieve their financial problems.

Bankruptcy Lawyer Port St Lucie Jon L. Martin helps clients throughout the following cities and surrounding areas: Stuart,Port St. Lucie, Hobe Sound, Jensen Beach, Palm City, Port Salerno, and the entire Treasure Coast of Florida.

From the Series of articles HOW TO CURE YOUR MONEY PROBLEMS WITHOUT FILING BANKRUPTCY!! by bankruptcy lawyer in Post St Lucie Jon L Martin, the author of “What Everyone ought to Know about Debt Relief Today!”

  1. Raiding your 401(k). Don’t think of retirement savings as “now” money. It’s money you’ve got to save for later. “Some people use their IRAs, and wind up in bankruptcy,anyway.” Even if you end up having to use it post bankruptcy, it will go a lot further towards survival of your family after bankruptcy; when you are buying necessities with it instead of trying to keep up with an impossible pile of credit card payments and other non-essentials that will be discharged in bankruptcy.
  1. Debt-wipeout scams. Be careful when talking with debt– consolidation firms. Many are shams. Be very, very cautious. For the most part, stay away. Many find themselves seriously behind in payments that were current when they first approached this “solution” to their debt loads. They make payments religiously, believing they are working their way out of overwhelming debt, only to find that all of the payments made were applied first to the fees of those they hired to help get them out of debt. The wakeup call comes when one or more of their creditors sues for non–payment.

WATCH FOR PART 2 NEXT WEEK!!!

If you would like to schedule a FREE consultation with a Bankruptcy Lawyer Port St Lucie, please contact Jon L Martin Bankruptcy Attorney at (772)419-0057 or visit us online http://jonlmartinlaw.com/.

With over 40 years of combined legal and business experience, we have helped hundreds of people in and around Martin and St Lucie County to relieve their financial problems. Bankruptcy Lawyer Port St Lucie and a chairman of Martin County Bar Bankruptcy Committee Jon L. Martin helps clients throughout the following cities and surrounding areas: Hobe Sound, Jensen Beach, Palm City, Port Salerno, Port St. Lucie, Stuart, Vero Beach, and the entire Treasure Coast of Florida.