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Ideally, you should hire a bankruptcy attorney in Seattle, WA, before you really need one. If the Sheriff is outside of your door to foreclose on your house or repossess your car, then you may have waited a little too long. That being said, most people tend to procrastinate talking to an attorney because they're still hoping they can solve their financial problems on their own. If you don't want to be one of them, then read this article to find out when to hire an attorney. When You're behind with Bills If you're behind on your payments with one or more of your creditors or find yourself unable to pay the utility bill, then it's time to find a solution. Obviously, paying a bill late on occasion can happen to anyone, and that doesn't mean you have to file for bankruptcy at that moment. However, if you can't pay your bills because you're just not earning enough money, then your financial situation has gotten a little out of hand. You don't have to wait until you're late with your payments to talk to an attorney. If you've lost your job, run into a huge mountain of debt, or are about to rack up enormous medical bills, then talking to an attorney can be a good idea. Bankruptcy may not be the only way out of your dilemma, but exploring alternative options takes a little bit of time. And the sooner you work on it, the better. When Your Wages Are Being Garnished If your wages are being garnished, then you might want to talk to an attorney about it. Garnishments can seriously hinder your ability to pay your normal bills related to housing and utilities. Additionally, having your paycheck garnished may cause you to rack up additional credit card debt to pay your living expenses, which further exaggerates your financial mess. Of course an attorney can't perform miracles. Some garnishments cannot be reduced or eliminated. But there is always a chance that your garnishment was unjust or is too high or both. After all, there is no harm in talking to an attorney about it to see if there is something that can be done. When You're Getting Collection Calls If one or more collection agencies are hounding you, then you can certainly benefit from speaking to an attorney. The good news is that creditors have rules and boundaries they have to adhere to. For example, they can't call you while you're sleeping. Plus, if you ask them to stop contacting you at home or at work, they must do so. That doesn't mean you're off the hook for the debt. Your creditors still expect to get paid. But when the phone finally stops ringing, you can take some time to sort out your financial situation. Fortunately, your bankruptcy attorney can stop those phone calls for you and help you sort out the situation afterwards. When You're Overwhelmed You don't have to get a late notice to feel overwhelmed with your financial obligations. Between credit cards, a mortgage, car payments, student loans, and other debt, you may not be able to sleep at night. If it's all getting too much for you, then you should do something to get out of the mess you're in. Of course filing for bankruptcy isn't the answer for anyone who is sick and tired of making debt payments. But a bankruptcy attorney from Seattle, WA, or wherever you live is a good person to talk to about your other options. It's quite possible that your debts can be consolidated or reduced, but nothing will happen until you take action. Travis A. Gagnier, Attorney at Law Travis A. Gagnier, Attorney at Law in Seattle & Tacoma, WA fights for the rights of people who are going through financial struggles. Contact us! Visit our page on http://www.choosetherightchapter.com to see our page today!
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