There are multitudes of people who feel that maintaining a positive financial standing is a vital component of life. However sometimes life sends monetary woes in various forms which could be difficult to predict or plan for. While struggling with debt Kentucky residents may employ a variety of strategies in the form of relief. Everyone who pays off their debt does it in a different way.
Look At Your Budget
Make of list of all your debts. After you have collected the information about your debts, take a look at your monthly budget. Write down your monthly income after taxes. Then add up your monthly expenses, including rent/mortgage payments, childcare expenses, student loan payments, insurance, utilities, and groceries. Finding ways to cut down on unnecessary expenses such as frequently dining out could be an option. It could also be beneficial to seek out getting a second job or selling off unneeded items. Those facing financial challenges may also start exploring options for debt relief.
Get Advice From An Attorney
Overwhelming levels of debt can affect a person’s future in various ways and in some cases can leave a person and their family living a lower quality of life then is necessary. If you want to safeguard your future but remain uncertain of your options speak with a bankruptcy attorney for advice.
Bankruptcy Could Be An Option
Many people hesitate to take the bankruptcy route out of pride or a feeling that they have somehow failed. A successful bankruptcy filing, however, can be a positive step in your life. It represents a new beginning — a chance to build a better life for yourself and your family.
Our Bankruptcy Services
You tried to do things right. You worked hard, paid your bills on time and thought you had it made. Then a catastrophic medical event, job loss, or divorce threw your financial situation into upheaval. Could bankruptcy be the solution for you? Talk to Helmer Somers Law and find out. Almost 1,000,000 people file for bankruptcy every year. It’s nothing to be ashamed of. Not looking out for your future well-being would be a shame. Let Helmer Somers Law make sure you don’t sign your rights away.
Types of Bankruptcy
Chapter 7. Chapter 11, 12 and 13. Who knew there were so many versions of bankruptcy? All you know is you’re broke. Relax. Helmer Somers Law can help you pinpoint the bankruptcy filing that’s best for you.
Get the Creditors Off Your Back
Your bank account is drowning in red ink. Envelopes marked “final notice” are filling up your mailbox. What’s even worse is that creditors are calling you round the clock. They’re even hounding your family and friends! Make it stop, with the help of Helmer Somers Law. We’ll take care of all the legal legwork for your bankruptcy filing, so you can work on getting your life back.
Protect What’s Precious
Your house; your car; your business. You worked hard for all these things, and now they might be taken away. Not if we have anything to say about it! If your money problems have spun out of control, contact Helmer Somers Law right away. Our bankruptcy law specialists can help you hang onto what’s important!
We are committed to helping families resolve legal challenges and get back to their lives. We offer the guidance and support that you will need when you are involved with the legal system.
Contact Us (859-371-0730) for a Consultation Today
About Helmer Somers Law
Helmer Somers Law helps individuals and businesses navigate the complex system of rules that accompany all legal situations. We are licensed to practice in both Kentucky and Ohio and offers flexible, affordable payment terms for our services. We welcome the opportunity to earn your trust and become your lawyer for life! It’s a fact of life in the modern world. There comes a time for virtually every adult American when the services of a competent, dedicated lawyer are required. Circumstances such as divorce, bankruptcy, estate planning or an income tax audit demand that your rights be protected, and your long-term interests advocated for with diligence and perseverance. When you call Helmer & Somers Law, you can rest assured that they will be.