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9 Reasons to Seek a Bankruptcy Consultation

You should definitely seek a bankruptcy consultation before you do any of the following:

  1. Start prioritizing which bills can and can’t be paid
  2. Make a call to one of those debt consolidation services or sign up for some debt advice service
  3. Borrow money from family to pay your mortgage, car, and/or credit card bills.
  4. Agree to a repayment plan with your lender if you obtained a forbearance as allowed under the CARES Act.
  5. Start a payment plan with IRS and/or Franchise Tax Board or try an Offer in Compromise for taxes owed.
  6. Pay for a service to help improve your credit score.
  7. If you have student loan debt, consolidate your loans or sign up for the Income Contingent Repayment Plan or some other payment program.
  8. Refinance your home or borrow from your retirement or withdraw retirement funds to catch up on missed debt payments or pay off credit card debt.
  9. Struggle to make the minimum payments on your credit card debt