subject: Rescue Your Personal Finances [print this page] Rescue Your Personal Finances Rescue Your Personal Finances
The most any Philadelphia bankruptcy attorney will say about the recession is that it is still a horrible economy and that there will still be many more people working to reorganize their finances. The average Philadelphia bankruptcy attorney has seen a double digit growth in business these last several months, and the flow of people with wounded finances shows no signs of slowing down. For your Philadelphia bankruptcy attorney this growth in business is a mixed blessing. As with any small business, most attorneys welcome the increase in clients, but the human toll it takes makes one step back and take notice. Many people who are seeing attorneys right now about their personal finances are in what best can be described as a "state of shock". They are unsure of what to do and how to get out of trouble. Of course, that is why they are seeing a professional about reorganizing their finances. It is not an easy task to rescue personal finances, but it can be done. The real trick is to not wait until it is too late. One is better off keeping a good watch on financial health, just as it is done with physical health. The closer watch that is kept on money and finances the easier the task might be to get things changed and reset. Finding an attorney to work with is not hard. Finding an attorney to work with that is in tune with what you want and desire is a little harder, but not impossible. It is just like hiring any other professional: you must make sure that person is aware of where you want to be in two, three or five years. A good attorney can be a great advocate for you, but only you can be your best advocate. The first place to search for an attorney will be amongst your relatives and close friends. It might surprise you how many have had to seek out help for their own finances. However, if your relatives and friends have been lucky or smart -- or both-- during this recession, then the Internet is loaded with attorney sites, many of them quite detailed with information on background and services. If you do not trust the Internet for such personal matters, then check with some community or church organizations. Often they can refer you to a trusted attorney. Once you have retained an attorney, then you will receive advice specific to your case. You may be advised to file Chapter 7 or Chapter 13. Chapter 7 has you selling your assets and repaying your creditors. Chapter 13 will have you setting up a schedule for repayment to those you owe and keeping some assets. Or your advice may be to get a second job, sell some toys and get on a budget. This way you can arrange a private plan and keep the proceedings outside of the courts. It all depends on your specific case. Talk with an attorney. Talk with an attorney sooner rather than later. It will be the first, best step on the road to financial recovery.
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