Kansas City Bankruptcy Attorneys - Kansas & Missouri
If I File Bankruptcy, Am I A Bad Person?
Many people feel that filing bankruptcy means you walk away with nothing and completely empty handed and without any property or assets. This is simply not the case. Most people feel conflicted about filing bankruptcy because on one hand they cannot pay the debts and on the other hand they feel filing bankruptcy is unethical because it makes them feel like a "deadbeat" or they are breaking a promise.
This is simply not true.
Our society has adopted a way to solve the issue when people are faced an unforeseen situation that makes it impossible to pay back their debts. Every financial organization recognizes that there will be some debts not paid back due to illness, death, job loss or any other financial hardship due to life issues. It is built into the financial system and the costs of products and services.
Filing bankruptcy is not lying, cheating, or stealing. The process of filing bankruptcy is a formal was of telling creditors - I am not ignoring you, I am not cheating you, I just don't have the ability to pay anymore. If you cannot pay, you cannot pay and bankruptcy is a way for the government to verify that you cannot pay. This allows the creditors to move on to where they can collect from another that can pay. Believe it or not, most creditors actually appreciate it when someone that does not have the ability to pay on the debt files bankruptcy. This saves them a lot of wasted money and time trying to collect from someone that simply cannot pay off the debt regardless of their collection efforts.
I Am Afraid To Answer My Phone Because I Am Behind on My Bills
You do not have to live with the fear of debt collectors, foreclosure and repossession. The bankruptcy laws were created for people like you — honest, hard-working people that have gotten in over their heads.
At The Bankruptcy Clinic of Hottman & Associates, we help people get out of the fears, frustrations and worries of their spiraling debt problems. With our help, you can immediately start the process of ending the harassment. One call to The Bankruptcy Clinic and you can have peace of mind and be on your way to a new financial beginning through bankruptcy.
Take the First Step Toward Debt Relief
In a free consultation, Kansas City bankruptcy attorney Todd Hottman will review all of the details of your debt situation, answer all of your bankruptcy questions and provide you with options and a strategy to help you solve your financial crisis. This solution may involve a Chapter 7 bankruptcy that eliminates all of your credit card debt, medical bills and other unsecured debt. In some cases, you may qualify for a Chapter 13 bankruptcy which reduces or eliminates your debts by creating a debt repayment plan.
In both forms of bankruptcy, all creditor harassment, collector phone calls, collection letters, foreclosure, garnishment and repossession actions must stop. You can focus on your life, while our law firm stands between you and your creditors.
Complete Counsel From Filing to Discharge of Debts
Our firm will handle all legal aspects of your bankruptcy, from beginning to end. We will identify those debts that can be discharged and those that cannot. When creditors call, you can refer them to us.
We will represent and be with you at all required bankruptcy hearings and address concerns of the trustee assigned to your case. Our goal will be to discharge as many debts as we can, while allowing you to keep most or all of your assets.
Take the first step toward debt relief and a better future for yourself and your family. Call us today to schedule a consultation.
Call (913) 262-4444 or send us an e-mail for a free consultation with Mr. Hottman at The Bankruptcy Clinic serving Kansas City, Kansas and Kansas City, Missouri.
|
