A debtor considering bankruptcy must bear in mind that a bankruptcy stays on his or her credit report for up to 10 years, which can potentially make it difficult to get future credit. A debtor should also keep in mind that some debts must still be paid even if he or she files for bankruptcy. Accordingly, it is essential to contact an experienced bankruptcy attorney before making potentially life-altering financial decisions.
Learn More About Bankruptcy
For more than 28 years, I have been providing personalized service and honest advice to people considering bankruptcy as a way to eliminate debt and get a fresh start.
For information about how I approach these matters, visit my Practice Areas page. Below, I have provided some general information about bankruptcy to give you a broad perspective on bankruptcy law. For answers to your specific bankruptcy questions, contact me to schedule a free consultation.
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I help people throughout New Jersey including the towns of Riverside, Burlington and Willingboro. When you retain me to handle your bankruptcy, you can count on receiving straightforward advice about your options from an experienced attorney. I will always tell you what you need to hear, not just what you want to hear.
If you are struggling with debt and feeling pressure from creditors, don't hesitate to call me. I am a lawyer who wants to help. Call toll free 888-676-6717, 888-656-2690 or visit my Contact page to schedule a free initial consultation.
Surviving the Emotional Effects of Bankruptcy
No matter what circumstances ultimately led to filing bankruptcy, both the practical and the emotional impact on the debtor will be enormous. Confronting the emotional and psychological issues surrounding bankruptcy and reaching an understanding and acceptance of the situation are essential to rebuilding and maintaining a successful financial life. The experienced bankruptcy attorneys at Richard P. Minteer in Riverside, New Jersey, can guide a debtor through the complicated legal, financial and emotional maze of bankruptcy and steer him or her in the right direction for the future.
Filing bankruptcy can, without a doubt, stir up many negative emotions. The debtor's sense of self-worth is often closely tied to his or her financial circumstances. Loss of money can be experienced as a loss of identity, self-esteem and confidence. We live in a society in which image is seemingly bought through possessions. Money can be viewed as a powerful currency not only in a purely economic sense, but also in relationships and thus a real or perceived loss of interpersonal power can ensue when bankruptcy is filed.
Understanding these emotions can help disentangle the practical realities of money from the possibly destructive or limiting emotional response to bankruptcy.
At times of significant loss, people tend to feel that their entire foundation has been shaken and that their most fundamental sense of security has been disrupted. They question their trust in themselves, in others and in the world at large. Although it may be natural for many to bury these frightening emotions, bringing core insecurities to a conscious level can actually reduce fear and the feeling of being out-of-control, which enables individuals to start tackling their situations constructively. In addition, the counsel of a seasoned bankruptcy attorney at Richard P. Minteer in Riverside, New Jersey, can see a debtor through the tough times and guide him or her to a brighter financial future.
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