Hi, I’m St. Louis bankruptcy attorney Frank
Ledbetter. I’ve been a St. Louis bankruptcy lawyer since 2003. Sometimes people have the notion that filing
bankruptcy must be their last resort. Unfortunately, this type of thinking sometimes leads people
to take out payday loans, take 401(k) distributions, and pay one credit card with other credit
card, all of which may lead to very undesirable results. Also, people sometimes get many months behind
on credit card payments before considering bankruptcy because they believe bankruptcy
must be the last resort. What many people don’t realize is that getting
several months behind on multiple credit cards may have more devastating effect on one’s
credit score. Whereas clients may actually see an increase in their credit score within
one year of filing bankruptcy. Sometimes people have the notion that they
must be behind on credit card payments to file bankruptcy. This idea is quite untrue. The reality is that with decreased income
or increased debt, people often get to the point where they just can’t repay all their
creditors on time. People who hit that financial wall, so to speak, owe it to themselves to
learn more about Chapter 7 bankruptcy and Chapter 13 bankruptcy and to learn if bankruptcy
is the best debt relief option under their circumstances. I’ve helped thousands of clients get debt
relief through bankruptcy. If you’ve gotten to the point where you can’t pay all your
bills on time, please be aware, bankruptcy is not necessarily the last resort.
Once you can’t pay all your bills on time, bankruptcy may be your first and best resort.
If you’re in Missouri, feel free to call and schedule a no-cost, no-obligation debt
relief consultation. Or if you want to know more before you call,
I want you to have my FREE SPECIAL REPORT that reveals tips and strategies good people
who’ve suffered through tough times can use to turn things around. Just visit StLouisBankruptcyAttorneyHelp.com
to get your own copy sent to you right away.