Richard J. Shurtz, Attorney at Law
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Choosing bankruptcy can be difficult but beneficial

Rarely do Washington residents make the decision to file for bankruptcy easily. However, as bills accrue and harassing calls are received throughout the day, a discussion about bankruptcy may become necessary. Fortunately, we understand that deciding how to handle personal debt requires considerable thought. For that reason, we will take the time to ensure that you have the information that you need before choosing bankruptcy as a debt relief solution.

Although some medical or financial emergencies can slam a person with a mountain of debt seemingly overnight, others experience the slow build up of debt due to one minor bump in the road after another. A short pay check, an extra antibiotic for a sick child or even a hike in gas prices can tip the scales against a person struggling to stay afloat financially. When you are at the point where you have to decide which bills to pay and start worrying about how to buy groceries, you may need to start thinking about bankruptcy.

For many people, bankruptcy can help prevent a foreclosure on a family home or put a stop to wage garnishment. Bankruptcy also means that harassing bill collectors have to stop calling, giving many people a sense of peace from simply knowing that, when the phone rings, it will not be a creditor on the other end of the line. Of course, some people do worry about how a bankruptcy may affect their credit scores, but if debt has reached the point of needing to be solved through bankruptcy, it is likely that the effect on credit scores will be negligible.

While choosing bankruptcy can be a wise decision for some Washington debtors, there are others who may benefit more from alternative debt relief methods. We understand the importance of carefully evaluating all factors and financial issues before proceeding with a bankruptcy filing and help guide our clients through the process. Filing for bankruptcy is not a choice to be made lightly, but, when appropriate, it can make a world of difference.

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