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When the economy takes a hit typically unemployment is climbing. Finding a job that can meet your families basic needs can be a great challenge. For many part time or full time low paying jobs, benefits are not included. When a health concern arises, bills can stack up to the point of being nearly unbearable. Have you considered bankruptcy? Although you may have been working your heart out to support your family, the inability to obtain the necessary insurance when the emergency occurred may have been devastating. Suddenly, a 50k bill was mailed to you and your struggle to support a needy family just became more difficult. For many who find themselves in excessive debt and cannot make all the minimum payments, the bill then finds itself going to collections. The terribly embarrassing and humiliating experience is to then have an individual forcefully deliver a collections notice to you requiring payment or garnishment will occur. Because you have no money, there is very little you can do. What then makes things worse is while barely scraping along to put a roof over the head of your family, the creditor has made it possible to start garnishing your wages. For every dollar you use to make, you are now bringing home 50 cents. Faced with the possibility of economic ruin, it seems that bankruptcy is the only real route for some people. If you are faced with challenges similar to this and are looking for guidance to clear your debts, contact a Richmond bankruptcy lawyer now. The lawyer will be able to sit down with you and assess your debts and the legal work needed to overcome your garnishments and allow yourself a second start at life.
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