Not everyone that struggles with some of their debt is in a position where they should be seeking out the help of a debt relief lawyer. However, if you are concerned that you may indeed be one of those people, you will want to take a few moments to read through the following points. This way, you will have a fairly good idea as to whether you should be seeking the assistance of a debt relief lawyer.
You Cringe When The Phone Rings
This is not something that you should have as a normal part of your life. If your anxiety about the amount of bill collectors calling you, you will need to take action. The first thing you can do, as a temporary fix, is to send your creditors a cease and desist letter. This letter states that they can no longer call your home or your place of employment to talk about resolving your debt. They can, however, continue to send you collection letters through the mail and your debt will continue to exist. Once you have found some relief from the collection calls, you will want to schedule an appointment to talk to an attorney that can examine your situation to determine if you are a candidate for debt relief, such as bankruptcy.
Your Monthly Income Cannot Cover The Minimum Amount Due
Even if someone was able to snap their fingers and bring all of your monthly bills current, would you still fall back into a past due status? If so, this is because your net monthly income is not enough to cover the minimum monthly payments, along with all of the other expenses it takes to survive. If this is the case for you and you are not able to increase your income enough to pay for everything, it is time to schedule an appointment with a skilled debt relief attorney in your area. He or she can discuss your bankruptcy options and help you decide which route is the best for your personal situation.
If you are ready to move forward with your debt relief options, you will need to start looking for the best attorney in your area. Do not be afraid to schedule a consultation with a few different attorneys so you will have the chance to determine who would really be the best fit for you. The sooner you start this process, the sooner you will find relief from the debt that has been weighing you down.
Contact a lawyer like Clinger Richard S for more information and assistance.