One of the following four statements is false.

  1. You’re never too out of shape to begin working out.
  2. You’re never too old to go to back to school.
  3. You’re never too far in debt to get out.
  4. You’re never too formal to wear white socks with dress shoes.


I’m sorry, but if you’re wearing white socks with dress shoes, then go ahead and click this link right here to buy some new and affordable (non-white) dress socks.

The other three statements are completely accurate and all revolve around self-improvement. No matter where you’re sitting at this very moment – no matter what your history looks like – it’s never too late to take the necessary actions to improve your life.

That includes getting out of debt.

Don’t let debt control your life, no matter how big of a leap you’ve taken into it. Take the steps to get out of it, no matter how big or small it is.

If your debt is small enough, then simply changing spending and saving habits may get you out of that hole.

However, your debt hole may be dug so deep that simply changing your spending and saving habits won’t even get you to that first step on the ladder. What you need is a fresh start.

Have you considered bankruptcy?

By filing for bankruptcy, you can discharge your dischargeable debts through a Chapter 7, or you can lump your debts into an AFFORDABLE repayment plan through a Chapter 13. A bankruptcy attorney can help determine which chapter is best for you depending on your unique situation.

Then, once the bankruptcy is complete, you have a clean slate and a fresh start financially. You can use this fresh start to begin rebuilding your finances the RIGHT WAY.

At Darrell Castle & Associates, we provide a wonderful tool – for free – to our clients called 7 Steps to a 720. This online course will teach you the tips and tricks the banks don’t want you to know in regards to re-establishing and rebuilding your credit score to an A+ rating after a bankruptcy.

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

You may not want to file for bankruptcy because you’re scared of what people may think or you don’t feel it’s right for you, but you deserve to know all of the benefits it can bring you.


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

Darrell Castle & Associates has received multiple Client Distinction Awards from Martindale-Hubbel for client satisfaction, so I promise you’re in good hands here.