Getting Real: Bankruptcy & Financial Problems

Some things just are.  It does not matter whether we think about it, like it or dislike it.  It is what it is.  Spending our time worrying about it does not change it.  Feeling bad because of it does not make it any different.  Wondering what other people think about it has no affect.
Getting a grip on reality is the first step toward finding a solution.  When it comes to money problems it is easy to try to ignore the problem.  That will work for a while.  Others will worry about it.  That doesn’t help at all.  Feeling bad doesn’t help either.
I have met with thousands of people who struggle with debt.  In twenty-five years of meeting with people to discuss their financial problems I have noticed a consistent pattern.
They almost always make the appointment long after the problem has gotten out of control.  Many times they don’t take any action until they have suffered more than any reasonable person should.
Most everyone tells me how the problems started.  What lead to falling behind on payments?  Part of me wants to tell them that it does not matter.  I am here to help deal with what is going on now.  I listen to the story.  In a way it is like most good books.  There is a plot that has been used over and over, but the characters and the setting make it interesting.  Almost every time the financial problems started with something everyone would agree is unfair.
That is one of the realities of life.  Unfair things happen all the time.  We don’t have control over this.
After hearing the story about the trouble that led to the financial stress, most people want me to know that they are not the kind of people that don’t pay their debts.  That they are honest and want to pay but right now they cannot.  I already know this, too.  No one can get far enough into debt if they have not had a long history of paying their bills on time.
But, this is another reality of life.  You cannot pay if you do not have any money.
My view is that things are what they are.  There is no judgment involved.  If you don’t have the money to pay debts, you are not going to pay them.  It is not a moral question.  It is just a fair observation of the way things are.
The next question is, what should you do about it?  Once you take an objective look at what is going on making a decision is easier.  It is hard to be objective when you are dealing with your own situation.  That is where I can help.
I help people fix financial problems by filing bankruptcy.  That does not mean I will recommend a bankruptcy to everyone that meets with me.  In fact, a solid 20% to 30% of the people I meet with should not file bankruptcy.  They were just too stressed about their problem to see the solution.
My main job is to help people get a grip on reality.  It helps to talk things out and get an objective opinion.  If you are thinking that you may need to file a bankruptcy, I can help.
If it turns out that filing bankruptcy is the best solution, then that is just another thing that is.  Stressing, worrying, and ignoring this fact is not going to change it.  Things are what they are.  I can help you deal with it.  And, it is not good or bad, it just is.
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