Since my sister’s husband was in a car accident several years ago and the whole mess has left them penniless, since he can’t work, as well as all of the medical bills that have been piling up, she is seriously considering a bankruptcy free consultation to see if that is the route that would be in their best interest.
No one wants to declare bankruptcy, it isn’t a fun experience and it doesn’t come cheap, but sometimes you gotta do what you gotta do. Bankruptcy laws have changed since I went through that whole process, but I can honestly say that when it is all over and done with, it is worth all the time, effort and money.
I hope that this free consultation gives her the information and the encouragement she needs to get things over and done with. In the meantime they will keep trudging along and keep screening their house phone calls from all the creditors that are after them right now.