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Missed Appointment

 

You took the first, courageous step toward a better financial life. Unfortunately, you missed your appointment.

We wanted to let you know that we are still here to help.

And we’re happy to reschedule our visit.

We know your options when it comes to bankruptcy. But certainly there are other ways of dealing with debt. Perhaps you’re considering liquidating assets or borrowing from friends and family.

Before you do, you might want to consider the consequences:

Cashing in stocks, IRAs, 401ks or other assets may trigger steep penalties, loss of income, and lead to unexpected tax consequences

Borrowing from friends and family can compromise relationships as many people aren’t able to pay friends and family any easier than they can pay their creditors

Liquidating assets can leaving you with leftover unpaid debt and no assets to live on if your assets are not enough to pay your debts entirely

Why not explore your options before “throwing good money after bad”, as they say?
We’re here to help you determine what you can and cannot do when it comes to filing, what type of bankruptcy to file, and how to preserve as many of your assets as possible.

Why risk losing everything when you deserve a fresh start?

Nothing good comes in the mail anymore. And when your deep in debt, no one good seems to call you on the phone either!

There’s nothing like the sound of a ringing phone to make you jump out of your seat…especially when you know it’s someone calling from a collection agency. By now, you’ve probably stopped caring that they are “just doing their jobs.” Right?

And if you’re like most clients we meet with, you’ve probably stopped answering the phone.

If you’re being harassed by repeated phone calls from debt collectors, we can help.

Once you engage an attorney to represent you in bankruptcy, creditors can no longer contact you. You can instruct them to call us as your legal representative.
Imagine being able to look forward to answering the phone again!

This is only one of the benefits we can provide when you decide to hire our firm.
If you’re ready to get creditors off your back and get the fresh start you deserve, call our office today at (713) 974-1151

Sometimes people are concerned about their reputation. They’re worried that “everyone will know.”

The truth is that the only people who will know are those you choose to tell or people who obtain bankruptcy court records.

Don’t let embarrassment prevent you from getting the relief you deserve and are legally entitled to.

Bankruptcy is a right you have granted to you by the Federal Government. It’s a built in component of the legal system because for hundreds of years people have gotten into financial binds that they couldn’t get out of on their own.

Have you ever gone to traffic school so you didn’t have to pay a ticket? It’s a lot like that! Instead of going to a school, you go see an attorney. You get some education. You go to see a judge. You avoid paying fines. And you’re better off in the end.

Just like getting a ticket, no one has to know.

One big reason people hesitate to file bankruptcy is the effect it will have on your credit. They believe it will be “ruined forever”. But that’s not true.

It will remain in your file for 7-10 years. That part is true. BUT, you can start repairing your credit as soon as your bankruptcy is discharged. You may even qualify for certain types of financial accounts right away.

If you take the right steps, you should be in good shape financially in a year or two.

But if you do nothing now, your situation is NOT going to improve. Things will only get worse…and more difficult.

The question is: “If not now…WHEN?”

What is it going to take to get you into our office? Will you come in when the IRS threatens to seize your assets? When your wages are garnished? When your house goes into foreclosure?

If you can answer that question and say, “I will come in when…” x, y or z happens, wouldn’t you be better off to come in now and “head them off at the pass”? Why not make your own choices instead of letting the government, the bank or the credit card companies decide for you?

The greatest power you can exercise is to take control of the situation now before it takes control of you.

We’re ready to help you get the fresh start you deserve. Why aren’t you?

Please respond to this email or give us a call and leave a message that finishes this sentence:

“I’m not going to come in to your office until…”

And tell us what you’re really waiting for.

One big reason people hesitate to file bankruptcy is the effect it will have on your credit. They believe it will be “ruined forever”. But that’s not true.

It will remain in your file for 7-10 years. That part is true. BUT, you can start repairing your credit as soon as your bankruptcy is discharged. You may even qualify for certain types of financial accounts right away.

If you take the right steps, you should be in good shape financially in a year or two.

But if you do nothing now, your situation is NOT going to improve. Things will only get worse…and more difficult.

The question is: “If not now…WHEN?”

What is it going to take to get you into our office? Will you come in when the IRS threatens to seize your assets? When your wages are garnished? When your house goes into foreclosure?

If you can answer that question and say, “I will come in when…” x, y or z happens, wouldn’t you be better off to come in now and “head them off at the pass”? Why not make your own choices instead of letting the government, the bank or the credit card companies decide for you?

The greatest power you can exercise is to take control of the situation now before it takes control of you.

We’re ready to help you get the fresh start you deserve. Why aren’t you?

Please respond to this email or give us a call and leave a message that finishes this sentence:

“I’m not going to come in to your office until…”

And tell us what you’re really waiting for.

Credit counselors may be very nice people, but you should know that they are being paid by your creditors to help collect money from you. While they can submit proposals to your creditors, they have ZERO ability to force a creditor to accept their proposal.

In fact, the IRS has disqualified several credit counseling organizations because they turned out to be cleverly disguised collection agencies who were working for the credit card companies.

But here’s the good news…

A qualified bankruptcy firm can submit a proposal that allows you to walk away from your debt…and they have methods for compelling credit card companies to accept the proposal submitted.

Get help from someone who truly has your best interests in mind…someone who is working for YOU…not for your creditors.

Perhaps you’ve given up hope?

The question is…should you?

If you haven’t come into our office (or some other attorney’s) for a consultation, you cannot justify giving up hope. In fact, we’re writing to say that you must come in for a professional opinion about the hopelessness of your situation.

The fact of the matter is that you can’t see things clearly or correctly when you’re depressed. The fact that you haven’t come in for a consultation (pardon this line if you’ve seen someone else!) is clear evidence that you are not acting in your own best interest.

After weeks of stress, anxiety, fear, and confusion, people leave our office with a plan and a light heart. Seeing the relief on their faces is worth every hour we spend at the office or in court.

Unfortunately, it seems clear that relief is not what you’re look for right now. In the event you change your mind and would like schedule a consultation, please keep our number handy.

When you’re ready to move forward, we’ll be here to help.

Please visit our website for more information about us and bankruptcy. Call us today at (713) 974-1151 to schedule a no-obligation consultation or feel free to email us at Consumerlaw@busby-lee.com   Visit me on the web

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