• If you were out of work for more than two months you would be unable to pay your rent.
  • You have less than $500 combined in all of your bank accounts at the end of the month.
  • You have skipped a payment on at least one credit card within the past 6 months.
  • You have used a credit card for a cash advance at least once in the past year.
  • You screen your telephone calls so you don't have to talk to bill collectors.
  • You are withdrawing retirement funds such as a 401k to pay your debts.
  • You receive telephone calls at home or at work from bill collectors.
  • You only pay the minimum due on your debts each month.
  • You have used a credit card to buy groceries or gasoline.
  • You are at or near the limit of your credit lines.
  • You argue with family members about money.
  • You are unsure of the exact amount you owe.
  • You worry about paying your debts.

If you have answered “yes” to as many as three of the above questions, Bankruptcy may be a viable option for you. To find out, call us now for a free evaluation. Do it now! TAKE ACTION to TAKE CONTROL of your financial well being. 

True or False? 

Everyone will know I have filed for bankruptcy 
Unless you are a prominent person or a major corporation and filing is picked up by the media, the chances are very good that the only people who know about the filing are your creditors. While it is true that bankruptcy is a public legal proceeding, the matter often goes unnoticed.  

All debts are wiped out in a Chapter 7 bankruptcy 
Certain kinds of debt cannot be erased. They include child support, alimony, student loans and debts incurred as the result of fraud. If you have defrauded someone and a judgment has been made against you, that won't be discharged either. 

I will lose everything I have 
This is the misconception that keeps people who really should file for bankruptcy from filing. While bankruptcy laws vary from state to state, every state has exemptions that protect certain kinds of assets, such as your house, your car, money in qualified retirement plans, household goods, and clothing. Often people keep everything they have. 

I will never get credit again 
Quite the contrary. It won't be long before you are getting credit card offers again. On the other hand, if you are planning on purchasing a reasonable home or car, you might want to do so prior to filing. These will be tougher to get after you file and the impact of even a single point of interest rate may be significant. 

It will take forever to improve my credit score 
Quite the contrary. At Middleton Law Office, we know that your bankruptcy is only part of your concern:  You also want to get back to a normal live.  This includes rebuilding your credit score as fast as possible.  Because our clients are so concerned about their credit, we searched high and low for the best credit education program out there. After testing the program, we learned that people who have been through 720CreditScore.com’s credit program (7 Steps to a 720 Credit Score) transform their credit scores, usually within 24 months of declaring bankruptcy.  The credit education program usually costs $1,000 for enrollment. However, we enroll every one of our bankruptcy clients into the program at no additional charge.

If you are married, both spouses have to file for bankruptcy 
Whether one or both spouses seek relief is a function of the type of debt owed and whether the debtor(s) live in a community property state. In many instances, only a spouse need to seek bankruptcy relief. 

Only deadbeats file for bankruptcy 
Most people file for bankruptcy after a life-changing experience, such as divorce, the loss of a job, or a serious illness. They have struggled to pay their bills for months and just keep falling further behind. 

I can max out all my credit cards, file for bankruptcy and never pay for the things I bought 
Simply put, borrowing money without the intent to repay is called FRAUD and is not dischargeable. Bankruptcy relief is intended for the honest, but unfortunate debtor.

We are a debt relief agency.

We help people file for bankruptcy relief under the Bankruptcy Code.

Don't wait another minute. Set up an appointment for a free consultation today.

Should I File for Bankruptcy? 

The decision to file for bankruptcy is a difficult one, and extremely personal. Take this short quiz to find out if bankruptcy might be the solution to your debt problems. 

(662) 205-4749

Middleton & Tinsley Law Firm, PLLC

Bankruptcy Questions