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  • Bankruptcy History in the U.S

    Bankruptcy History in the U.S

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    In the early 20th century, bankruptcy was a rare phenomenon, with just 0.15% in 1000 people choosing it to get rid of debt. However, over the past 100 years, people seeking financial protection through bankruptcy have increased dramatically. Over a period, through the 60s and 80s, an increase was observed in bankruptcy filings in the U.S. However, as per statistics available, between 1980-2000 an increase was seen with up to 7.6% per 1000 per year. Contrary to this, a decrease in this percentage was observed post-2004 with 5.3% per 1000 individuals.

    However, Dallas based bankruptcy law firm Recovery Law Group, informs that the data is a national average without taking specific filings into account. Breaking the information state-wise you get to know that the maximum bankruptcy filing rate is in the state of Tennessee; with 10 people per 1000 seeking bankruptcy protection. On the other hand, Massachusetts has a mere average of 2.8 per 1000 bankruptcy filings. To understand the economic condition of the country, it is important that you break things up into relevant smaller pieces and observe the bigger picture. In case you are considering bankruptcy as an option to relieve yourself of your huge debts, you can call 888-297-6023 to schedule an appointment with the best bankruptcy lawyers Dallas.


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      By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

    • Different Types of Bankruptcies

      Different Types of Bankruptcies

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      Bankruptcy is one of the most sought out ways to get rid of unsecured debts that people have amassed over a period. Finding themselves in a financial soup can cause panic in people. Los Angeles based bankruptcy law firm Recovery Law Group, advises that there are a number of options when it comes to a bankruptcy filing. The most common chapters include Chapter 7 and Chapter 13. While the former is known as Liquidation Bankruptcy and involves the selling of the non-exempt property to pay your dues; the latter, also known as Wage-earner’s plan, makes sure that the creditors get paid some portion of their dues through a repayment plan. Other chapters of bankruptcy have rarely found their due. the various other bankruptcy chapters include:

      • Chapter 9

      This chapter caters to get rid of debts of municipalities, cities, and towns when the conditions turn out to be insolvent.

      • Chapter 11

      It is the 3rd most common type of bankruptcy chapter and is used to reorganize the business debts and assets of the bankruptcy filer.

      • Chapter 12

      This provision is available exclusively to fishermen and farmers for adjusting their debts. Though it is slightly difficult, it is perhaps the best option available.

      • Chapter 15

      This chapter is to assist those debtors who have some debts within the U.S. and some outside the country.

      Considering that several options are available for a bankruptcy filing, consulting with qualified attorneys Los Angeles is important before you decide to file for one. You can call 888-297-6023 to schedule an appointment with the best bankruptcy lawyers.


        *Are you more than 60 days past due on your mortgage?

        *Do you own a home?

        Are you currently working?

        By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

      • Exemptions in Bankruptcy

        Exemptions in Bankruptcy

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        Bankruptcy is a legal way to get rid of huge amounts of debts that have been bogging you down. Since the purpose of the procedure is to provide the filer with a fresh economic start, certain exemptions are given by the state and federal government. As per Dallas based bankruptcy law firm Recovery Law Group, these exemptions include home, vehicle, personal belongings, retirement plans, tools of the trade, etc. The unsecured creditors cannot stake a claim on this exempted property. The amount of exemption varies from state to state. These exemptions allow a bankruptcy filer some base to start their second financial innings.

        According to the bankruptcy code, uniform exemptions are provided to bankruptcy filers; however, states can differ in the exemption amount. Sometimes, the exemption amount varies immensely in the state. Since you can choose between state and federal exemptions, it is vital to consult an experienced bankruptcy lawyer to help make the best choice for you. You can call 888-297-6023 to consult with expert bankruptcy attorneys.

        When any individual files for bankruptcy, they can claim exemptions to protect their assets. In the case of Chapter 7 bankruptcy, debtors can keep exempt property during the period of their bankruptcy proceedings and after it also. Corporations who choose to file for Chapter 7 bankruptcy cannot use the exemptions and thus end up with incomplete liquidation.

        When debtors file under Chapter 13, the value of their exempted property is deducted from the estate liquidation amount. The value of the non-exempt property is added to the disposable income to calculate the amount for a repayment plan. If you claim all exemptions, you end up paying less money to your creditors. Any property whose value is less than or equal to the exemption amount can be retained by you during the bankruptcy process.

        What happens to the non-exempt property?

        Any property which is not exempted under the federal or state exemptions (one of which was chosen by the bankruptcy filer) is handed over to the bankruptcy trustee. The trustee then ensures that the property is sold, and the proceeds distributed among the creditors. Most individuals filing under Chapter 7 bankruptcy Dallas, end up protecting most of their assets from going under the hammer. In the case of Chapter 13, you might be able to protect non-exempt property too if you pay for an amount equivalent to it, to your creditors.

        It is important that you find out which property you can keep while filing for bankruptcy before going ahead with the procedure. A qualified bankruptcy attorney can help you understand the various exemptions provided.


          *Are you more than 60 days past due on your mortgage?

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          By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

        • Vehicle Repossession in Bankruptcy

          Vehicle Repossession in Bankruptcy

          Debts against which the creditor has collateral are known as secured debts. Examples of secured debts include automobile loan, mortgage, etc. Since both these are essential for living a comfortable life, it is important that you are not behind on payments for such loans. Having a vehicle has become a necessity these days, considering that commuting time is considerably reduced due to them. Missing payments on your automobile loan can have severe consequences. The lender can repossess the vehicle if you end up missing payments. However, having experienced lawyers like those of Los Angeles based bankruptcy law firm Recovery Law Group can help stop such proceedings effectively.

          You will be surprised to know that repossession is far easier than foreclosing on your home or threatening with a lawsuit in case of credit card dues. Vehicle insurance is mandatory in some states. If you neglect the insurance coverage of the vehicle and are current with the loan company, you might still end up losing your vehicle. Generally, if you miss one payment, you get a reminder call to make payment along with the late fees. However, if you fail to make a payment on the due loan, the lender can act against you, which includes repossessing the vehicle.

          Can you protect yourself against creditor action?

          Though defaulting on the loan provides the lender a chance to repossess the vehicle, there are certain protections in place for the owner too. These include:

          • The lender (or any other person acting on behalf of the lender) cannot enter your closed garage without permission.
          • They cannot threaten or use force against you.
          • Violation of any of the laws can result in a legal damage case against them.
          • Any personal property within the vehicle when it is seized by the lender remains your property.
          • The lender must ensure the safety of any such property and provide you with details regarding its retrieval.

          In case you decide to not pay the arrears and repossession cost, the lender has the right to keep or sell the repossessed vehicle. However, they need to intimate you when and where the vehicle will be auctioned off. You can bid for your vehicle if you choose to. It is important that the vehicle is sold for a fair market price. In case, the lender sells it below market rate, you can claim damages against the lender and argue for a deficiency judgment. If you are behind on your automobile loan payments and are on the verge of vehicle repossession, it is important you call 888-297-6023 to schedule an appointment with adept bankruptcy attorneys Los Angeles before any legal action is taken against you.


            *Are you more than 60 days past due on your mortgage?

            *Do you own a home?

            Are you currently working?

            By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

          • Federal and State Bankruptcy Exemptions

            Federal and State Bankruptcy Exemptions

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            When you file for bankruptcy to get rid of your debts, there are certain assets that you can protect. This takes place due to the exemptions provided in bankruptcy to debtors. Both federal and state government offer different exemptions for individuals filing for bankruptcy. Despite the process of bankruptcy being governed by federal laws, lawyers of Dallas based bankruptcy law firm Recovery Law Group state that you can choose between the federal and state exemptions. Certain exceptions are common in both federal and state exemptions; however, their amount varies from state to state. These include:

            • Homestead exemption
            • Personal property
            • Living expenses to support your family
            • Certain retirement accounts
            • Wild card exemption up to a specified dollar amount.

            The dollar amount changes every three years to cater for rising prices.

            In different bankruptcy chapters, the fate of non-exempt property varies. In Chapter 7 bankruptcy, the non-exempt property is liquidated by the bankruptcy trustee and the money is distributed amongst your creditors. Usually, people who end up qualifying for Chapter 7 rarely have a non-exempt property which can be sold off. After 3-6 months, your qualified debts are discharged in this case.

            In case, you do not want to part with a non-exempt property, you can choose to file for Chapter 13 bankruptcy Dallas. This chapter allows you to keep your assets while making court-approved payments towards clearing your debt over a 3-5 years’ period. After completion of the plan, any remaining unsecured debts are discharged.

            In case you have doubts regarding which property is exempted or which exemption will be most beneficial for you, you should consult with expert bankruptcy lawyers at 888-297-6023.


              *Are you more than 60 days past due on your mortgage?

              *Do you own a home?

              Are you currently working?

              By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

            • Which is the Largest American City to File for Bankruptcy?

              Which is the Largest American City to File for Bankruptcy?

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              Stockton in California has earned the dubious distinction of becoming the largest city in America to enter bankruptcy. The cause of this misfortune was the housing bubble burst. Stockton is home to nearly 300,000 residents who had borrowed a huge amount of money in the early 2000s since they were expecting huge returns from property tax revenues and long-term developers’ fees. However, all of this was lost because of extensive foreclosure across the city in the mid-2000s. This resulted in a 70% decrease in the tax base of the city.

              Los Angeles based bankruptcy law firm Recovery Law Group elaborates that Stockton owes a staggering $900 million debt to California Public Employees Retirement System (CalPERS). They, however, ensured that the pensioners didn’t suffer. Stockton neglected all other debts but stayed current on the pension payments. However, the bankruptcy judge left open the possibility of renegotiating the city’s obligation to CalPERS. This has come as a rude shock to the residents of Stockton who were relying on their government to help them in bad financial times.

              In case you find yourself in a financial mess, do not hesitate to call 888-297-6023 to schedule an appointment with best bankruptcy attorneys California for consultation on your case.


                *Are you more than 60 days past due on your mortgage?

                *Do you own a home?

                Are you currently working?

                By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

              • You Can Also Avoid Bankruptcy

                You Can Also Avoid Bankruptcy

                Call: 888-297-6203

                Nobody likes to admit that they have got their finances messed up. Bankruptcy is advertising about this fact from the rooftop! Frankly, if possible, nobody would like to file for bankruptcy, however, there is no denying that bankruptcy is probably the best way to get rid of the huge burden of debt you have been carrying for a long time. Even some of the best people have ended up filing for bankruptcy when there was no way out for them. According to Dallas based bankruptcy law firm Recovery Law Group lawyers, sometimes, people can get out of bankruptcy in a better condition than before.

                When you file for bankruptcy you are declaring to the court your inability to pay off your creditors. Bankruptcy can remove most of your debts so that you get a fresh financial start. Depending on the chapter of bankruptcy, bankruptcy remains on your credit report for a duration of 7 or 10 years. All collection actions initiated by creditors such as foreclosure, repossession, or wage garnishment as well as any legal action is put on hold when you file for bankruptcy. However, bankruptcy will not rid all your debts. Certain debts like child support, alimony, student loan debt, IRS debts, and government fines are not erased in bankruptcy.

                How to dodge bankruptcy?

                With a few measured steps, you can avoid bankruptcy. Here are some points to take care of if you don’t want to file for bankruptcy:

                1. Ensure that your necessities are catered for. These include food, shelter, utilities, clothing, and If you are falling behind on payments, make sure that you don’t neglect your mortgage payments or rent. Food and utilities need to be paid on time too.
                2. Many people end up accumulating a lot of possessions over a period, which they might not need later. Sell anything that you don’t need and rarely use and use the money to pay your due bills.
                3. If you wish to avoid bankruptcy, you need to ensure that you are living on a budget. Avoid any unnecessary expenses including dining out, expensive gifts, costly vacations, etc.
                4. If you are short on money, getting a second job to supplement your income is a good way to avoid bankruptcy. However, ensure that the income generated from the second job is used to pay your debts.
                5. Consult professionals for guidance on monetary issues. Financial coaches can guide you towards better management of your finances without taking advantage of your situation.

                In case you are looking for experienced bankruptcy lawyers Dallas, you can call 888-297-6023 to speak with experts.


                  *Are you more than 60 days past due on your mortgage?

                  *Do you own a home?

                  Are you currently working?

                  By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

                • Getting Out of Debt is Easy

                  Getting Out of Debt is Easy

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                  Unless you take control of your finances when they first start spiraling out of hand, you will find it very difficult to manage them later. Despite your best efforts, bankruptcy might be the only way you might be able to get rid of your debts. However, filing for bankruptcy is a decision that can be quite emotional as well as confusing. Since most of the legal jargon goes above your head, Dallas based bankruptcy law firm Recovery Law Group says that hiring a lawyer is the best way to deal with bankruptcy. If you have not yet consulted with a lawyer, you can call 888-297-6023 to discuss your case with experienced bankruptcy lawyers.

                  The primary thing before going ahead with bankruptcy is to know what is involved in the procedure. When you file for bankruptcy, you are declaring to the court that you are in no position to pay your debts. The court-appointed trustee inspects your assets and liabilities to understand which debts can be discharged. Once the court is assured of your inability to pay your debts, you can declare bankruptcy. Filing for bankruptcy also puts a hold on foreclosure, repossession or wage garnishment as well as other collection actions of the creditors. However, it is important to realize that certain loans are not discharged in bankruptcy. These include:

                  • Child support and alimony
                  • Student loan debt
                  • Government debts like fines, penalties, taxes
                  • Any expensive item (car, jewelry, boat, ) purchased just a few days prior to a bankruptcy filing

                  Despite putting an end to creditor actions including suing you, you might have to pay back some debts, depending on which chapter of bankruptcy you have filed under.

                  Bankruptcy Chapters

                  The most common bankruptcy chapters are:

                  • Chapter 7 – The courts can sell all non-exempt property, in this case, to pay back your creditors. Any remaining debt (unsecured, nonpriority) is deleted. Though bankruptcy discharge is given within 3-6 months, the downside of this bankruptcy chapter is that you might end up losing your home (or the equity in it) as well as your car if it is not covered in the exemptions. Chapter 7 bankruptcy filing is available to those people who don’t have enough income to pay back their debts. This bankruptcy chapter remains on your credit report for a duration of 10 years.
                  • Chapter 13 – This chapter involves repayment of your debts through a court-approved Over a period of 3-5 years, you end up paying some portion (or the entire amount) of your debt. You can protect your assets (home, car, etc.) and even pay previously due mortgage payments through the repayment plan. This bankruptcy stays on your credit report for 7 years.

                  Apart from these two chapters, Chapter 11 is used for business bankruptcy filing, while Chapter 12 is for a bankruptcy filing by fisherman and farmers.

                  What happens when you file for bankruptcy?

                  Filing for bankruptcy is a tough and emotional decision which can have ramifications in various aspects of your life. For starters, bankruptcy information is public i.e. banks, business associates, potential employers, etc. can have a look at your bankruptcy details. Once you file for bankruptcy, you might find it difficult to get any loan, even after a bankruptcy discharge. Your credit score hits hard and you might have to strive hard to make amends after getting a bankruptcy discharge.

                  Filing for bankruptcy also involves various costs. Apart from the attorney’s fees, you need to pay $310 in bankruptcy filing fees for a Chapter 13 case. The attorney might charge somewhere between $1,500-$6,000 for this bankruptcy chapter! In the case of Chapter 7, the filing fees is $335 and bankruptcy lawyer might charge $835-$3,835 for their services.

                  Preparing for bankruptcy is important

                  Once you have come to the realization that bankruptcy is the only way out for you to get rid of your debts, it is important that you are aware of the requirements of the process. Before filing for bankruptcy, you can look for other debt-relief options like debt settlement, debt consolidation or lowering of interest rate by the creditor. Cutting down on extra expenditures, taking up another job, etc. are some other ways how you could avoid bankruptcy.

                  You could opt for financial coaching where an impartial perspective would be provided with respect to your financial situation. Organized financial paperwork might come in handy when you talk to a lawyer or a financial coach. Get all your debts organized and list every one of them including child support and student loans etc. Trusting professionals is extremely important if you wish to get rid of your debts. Seek the counsel of experienced bankruptcy attorneys Dallas to get your bankruptcy successfully discharged.

                • Points to Consider While Contemplating Bankruptcy

                  Points to Consider While Contemplating Bankruptcy

                  Call: 888-297-6203

                  Managing your finances is easier said than done. Many people find it difficult to manage their financial problems leading them to consider various debt relief options like debts settlement, debt consolidation, and even bankruptcy. Sometimes, just adjusting your spending patterns is enough to manage your debts, while sometimes, you might require the assistance of professionals to get rid of your debts. Though bankruptcy has earned a bad name, according to Los Angeles based bankruptcy law firm Recovery Law Group, it is probably one of the better ways to manage your situation. However, before deciding to go ahead with it, you should be aware of the pros and cons of bankruptcy. if you are contemplating bankruptcy, the following pointers will come to your aid in making a conscious decision:

                  • How much time will you require to pay your debt?

                  Most common bankruptcy chapters for individuals include Chapter 7 and Chapter 13. While the former gets you discharge on your debts in 3-6 months of filing, you can lose your non-exempt property. In the case of the latter chapter, you end up repaying a portion of your debts over a course of 3-5 years. In case, you don’t have much debts and can pay them back with adjustment in your monthly expenses within a reasonable time frame, you should opt for alternative debt relief options. If, however, you won’t be able to pay back your debts, bankruptcy might be the best possible way out.

                  • How big is your debt?

                  If your debt is manageable i.e. just a couple of thousand dollars, you could easily manage it without filing for bankruptcy. However, even this amount should not be neglected, and efforts should be made to pay it back since creditors can cause numerous problems.

                  • How much of your debt is dischargeable?

                  Before considering bankruptcy to get rid of your debts, it is important to know which of your debts can be discharged. Secured debts like mortgage and auto loan are not included in bankruptcy. Additionally, priority debts like child support and alimony or certain court-ordered taxes (compensation for damages due to personal injury claims, etc.) also won’t be discharged. If these constitute a major chunk of your debts, filing for bankruptcy won’t resolve your problem.

                  • Do you risk foreclosure or repossession?

                  Creditors who are about to foreclose on your property can cause you to think of bankruptcy as a way out. Filing for bankruptcy puts an automatic stay in place which prevents foreclosure and repossession, providing you with ample time to catch up on a way to manage your finances.

                  Admitting you have financial problems is the first step to get control of the situation. Discussion with experienced bankruptcy lawyers Los Angeles can help you conclude whether you should opt for bankruptcy or some other debt-relief options to manage your debts. In case you want to put your money problem away, consult with experts at 888-297-6023.


                    *Are you more than 60 days past due on your mortgage?

                    *Do you own a home?

                    Are you currently working?

                    By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

                  • Can Bad Financial Situation Lead to Depression?

                    Can Bad Financial Situation Lead to Depression?

                    Call: 888-297-6203

                    A huge amount of debts can send anyone in a tizzy. For people who do not take stress over things which they cannot control, things are manageable. However, those people who are constantly worrying about financial security, filing for bankruptcy can be a tipping point. Dallas based bankruptcy law firm Recovery Law Group has seen many clients (who had filed for bankruptcy) go through phases of depression. Low self-esteem and other negative effects on mental health have been observed in many bankruptcy filers. It is very important to seek guidance from professionals if you are facing mental stress due to your bad financial situation. Many people are unaware of the symptoms of depression. You should consult with a professional counselor Dallas if you can identify and relate with any of these symptoms:

                    • Feeling sad, hopeless, worthless and in despair most of the time;
                    • Feeling bogged down with no wish to leave the bed, wanting to sleep all the time;
                    • Not taking any interest in favorite activities and hobbies;
                    • Feeling hungry always or simply not in the mood to eat at all;
                    • Easily provoked at minor instances and feeling irritable almost always;
                    • The tendency for self-harm or violence increases.

                    Being tired because of a hectic week at the office is different than one in case of mental health problems. If any of the symptoms mentioned above feels familiar, it is vital that you consult experienced mental health professionals. Once the diagnosis is done, treatment is not that difficult.

                    What to do if the bad financial condition is affecting your mental health?

                    Money can influence your state of mind. If your financial condition is the root cause of your depression, there is help available. People who suffer from depression and anxiety because of their financial problems can take the following steps for better mental health as well as improving their financial situation:

                    1. Opt for counseling sessions with experienced mental health professionals.
                    2. Talk to people who are close to you (such as family or friends) and understand you, regarding what you are going through.
                    3. Look for feasible debt relief options like debt reconsolidation, debt settlement, etc.
                    4. Hire an experienced bankruptcy lawyer for your case. In case you would like a consultation, you can call 888-297-6023 to schedule an appointment.

                    If you feel your finances slipping through your hands and as a result of it you are feeling emotionally vulnerable, it is important to stay calm and consult professionals for financial security and mental health.


                      *Are you more than 60 days past due on your mortgage?

                      *Do you own a home?

                      Are you currently working?

                      By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.