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Find Local Bankruptcy Help

A simple guide on locating local debt relief services.

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YOU CAN RELAX, HELP IS AVAILABLE !

Facing a potential bankruptcy or mounting debts can be stressful, intimidating,
and most of all confusing. The good news is that there are a wide range of
services available aimed at helping you form a plan to get debt under control,
and if bankruptcy is an option that is best for you there are a large number of
attorneys offering free consultations who will explain all of the options
available to you free of charge.

By using all of the services and resources that are available to you, you can
feel confident in knowing where you stand and having an understanding of all of
the options that will benefit you on your path to repairing your finances. When
dealing with debt or potential bankruptcy, more than almost any other area in
life, knowledge is power – and the more you take advantage of freely available
debt counseling, free legal consultations and local services aimed at helping
those facing debt the less fear, stress and uncertainty you will feel as you go
forward. When you know where you stand, and have help on your side, you will
truly be able to relax again and know that you are on the right track.


THREE SIMPLE STEPS TO PEACE OF MIND

I have outlined below three simple steps any person can take to discover and
understand all of the options and help available to them, and by having the
knowledge of what steps you can take you can relax and focus again on your daily
life as you will have a defined plan ahead of you, and know that you are taking
advantage of everything that will help you in becoming debt-free again.


STEP 1 – FIND FREE LOCAL DEBT COUNSELING

Most areas will have a local service funded by the city that provides simple
debt counseling for local residents who are facing either financial stress or
considering bankruptcy as an option. You can expect a simple casual meeting with
a person who will go over a simple budget with you, refer you to local and
affordable professionals such as debt relief agencies and attorneys, and may
provide resources that will help in seeking new employment if needed.

This first step is highly valuable as your debt counselor should help you to
understand, in simple down-to-earth language, the different options available to
you and get you started on your path to freedom from debt in an environment that
is friendly and that will listen to you. Having this initial knowledge will help
you to feel empowered, educated and proactive which will greatly reduce the
stress of facing debts.


STEP 2 – DEBT RELIEF / DEBT CONSOLIDATION SERVICES

If you have met with a local debt counselor they will likely provide you with a
recommendation for a debt consolidation service, or in the case of hiring a
lawyer for a bankruptcy, your lawyer should be able to recommend a trusted debt
consolidation service that they regularly work with as well.

If you decide that debt consolidation or debt relief is a useful option to you,
then you will want to seek out a company with positive online reviews,
registered with the Better Business Bureau, and a company that is well known and
established. Spending a day to speak with at least a few different companies so
that you can compare what they are willing to offer you is worth the time
investment – remember that your business is valuable and that you have the power
to shop around and not to be pressured in to anything or be rushed, you are in
control.

As you’re putting in the effort to compare different debt consolidation options,
remember that while the process may feel tedious your effort will pay off
considerably later on as you take the time to find the option best suited for
you.

Below are a few links with some advice on seeking out a quality debt
consolidation service:

Nerdwallet – What Is Debt Consolidation, and Should I Consolidate?

Experian – How to Consolidate Debt

Credit Karma – Using Debt Consolidation to Manage Mounting Interest


STEP 3 – FINDING A BANKRUPTCY ATTORNEY

When finding a local bankruptcy lawyer or attorney (these terms are
interchangeable), you may begin by using a search engine such as Google to
search for a bankruptcy attorney in your area. You can then narrow your search
by using popular review sites for lawyers such as FindLaw, Nolo and Avvo, where
you can read about previous client experiences with each lawyer.

It is standard for attorneys to offer a free legal consultation where you are
presented with your potential options and an overview of the services they can
offer you. Similar to seeking out a debt consolidation service, you should take
advantage of free consultations until you find an attorney you feel that you can
easily communicate with and that is a good match for you. Again, as a potential
legal client your business is valuable, and you should feel comfortable and in
control throughout the process of finding an attorney. The right legal counsel
will take the time to explain your options to you and be happy to answer any
questions you may have.

Below are links to three of the most popular attorney review sites:

FindLaw.com

Avvo.com

Nolo.com


YOU ARE MAKING PROGRESS !

Having begun your search for guidance and help along your path to resolving your
debts, you have taken the most difficult and often stressful first step of the
process which is deciding to take action. Using all of the resources, including
free advice, counseling and consultations available, you can go forward with
confidence and feel positive about the progress you are making towards freedom
from debt.

You will find that as you take proactive steps towards resolving your
outstanding debt that much anxiety will fall away, and relief can be found in
knowing that you are educated about your options and have a firm plan in place.

I wish you great success in your financial future and a lasting peace of mind.

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