By: Darrell Castle

RED ALERT! Contact a bankruptcy attorney now!

You’ll never get a notification like that telling you it’s time to file for bankruptcy. However, there are signs you can look for that WILL alert you that it’s time to think about contacting a bankruptcy attorney.

Red Alert Signs

Again, no “red alert” will notify you that it’s time, but these signs SHOULD be treated as “red alerts” when they occur.

1. Your home is about to be foreclosed on.
2. Your car is about to be repossessed.
3. Your wages are about to be garnished.

If one – or all – of those three things happen to you, contact a bankruptcy attorney IMMEDIATELY.

You don’t have to lose your home. You don’t have to lose your car. You don’t have to lose the first 25% of your wages. You can stop all of that through a bankruptcy and get out of debt.

Orange Alert Signs

These signs aren’t as severe as the red ones mentioned above, but they are just as important. And if they aren’t handled ASAP, they can quickly turn into red alerts.

1. You fall behind on your mortgage.
2. You miss a car payment.
3. You’re in high credit card debt.
4. You can’t pay your medical bills.
5. You fall behind on ANY of your bills.
6. You have mounting debt you just CAN’T pay.

Why bankruptcy?

Living in uncontrollable debt isn’t fun. The stress and worry about how you’re going to pay your bills is draining. The inability to make ends meet from week to week isn’t healthy.

By all means, if changing small spending and saving habits can get you out of debt and back to paying your bills on time, then go for it. But for many of you, those steps won’t even touch the surface of your financial struggles.

Bankruptcy can help you though.

By filing for bankruptcy, you can discharge your unsecured debt – debt not backed by collateral – without making any payments towards the debt through a Chapter 7. Or, you can lump your debts into an AFFORDABLE 3-5 year repayment plan through a Chapter 13.

Each chapter comes with its own benefits and qualifications. A Chapter 7 is quicker while a Chapter 13 allows you to keep your house and car. An experienced bankruptcy attorney can further explain.

We can help

For decades, Darrell Castle & Associates has practiced bankruptcy law in Memphis. We’ve helped people get out of all sorts of debt and onto a better life. And we can help YOU too.

Our team is very detailed and responsive, and that’s why our clients like us. Your case will be handled the RIGHT way because that’s what you deserve. You’re not just a case number, but you’re a real person with real problems. Problems we have the ability to help you with.

Those are some of the reasons we’ve received multiple Client Distinction Awards from Martindale-Hubbell. You’re in good hands here.

How to get in touch with us

If you’re struggling financially and want to talk to someone experienced about your options, then our FREE bankruptcy consultation is perfect for you.

Call (901) 327-2100 today to schedule your appointment. Or you can fill out the form to the right of this page to have someone from our office contact YOU.