Procrastination happens to the best of us. Even when faced with a deadline, many people who sit down to complete an important task find themselves elsewhere — physically or mentally. And what’s the harm, right? Surely it can wait.

As a Memphis TN debt attorney, I often see this same “it can wait” mentality in folks who are deep into debt but haven’t reached that breaking point just yet. Here’s one common scenario. A couple has fallen behind on their house note. They know that it can’t go on forever, but they haven’t gotten a formal foreclosure notice, so they decide to ignore the problem — for now. During the whirlwind months of the holiday season, people have a tendency to put things off more than usual. They are so busy, wrapped up in shopping, trip-planning, winding down a year of school or work, and they think their financial issues can wait.

But here’s the thing. Serious debt doesn’t go away on its own. And temporary solutions like payday loans aren’t only the equivalent of putting a band-aid over the problem — they actively deepen the wound.

Don’t wait to make a change. There’s no moment like the present.

I want you to know, you don’t have to wait until a rock-bottom moment with your finances to make a change. In fact, it’s smarter to take control right now, before it escalates even further. If you come in now, you’ll probably find the holidays more enjoyable, with the peace of mind that comes from knowing you’re tackling a serious problem.

Many people’s New Year’s resolutions consist of dieting, exercises, or quitting bad habits. They hope to use the fresh start to cleanse, mentally and physically. Well, bankruptcy is a part of that strong New Year’s mentality.

Bankruptcy stops those collection call from coming. It frees you from the fear of lawsuits and wage garnishments. It eliminates your debts.

The comfort bankruptcy offers is actually good for your health.

One thing’s for sure: debt is stressful. And stress takes a serious toll on your health, leading to conditions such as:

  • Heart disease
  • Sleep problems
  • Digestive issues
  • Depression
  • Obesity
  • And more

Many of the effects of debt are mental. How can you ever be present with your loved ones if you have to worry every single minute that those calls from debt collectors are coming? No one wants to go through bankruptcy, but for those in debt, this is the one solution that offers the opportunity to start over and cherish the time with your loved ones, something that should be on all our New Year’s resolutions lists.

Talk to a Memphis TN debt attorney

There’s no easy fix for debt. Get some permanent control over your finances. Bankruptcy can help. Whether you want to get rid of dischargeable debt, like credit card and medical debt, in a Chapter 7, or consolidate your mortgage and car payments into an affordable amount in a Chapter 13, I can help.

Call (901) 327-2100 or contact us online to talk to a Memphis TN debt attorney today.