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Getting Through Bankruptcy

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Hearing that bankruptcy may be your only way to get through your financial difficulties can be an incredible blow.  It leaves people feeling a range of emotions, from guilt and shame to anger, depression, and fear.  While those feelings may be the natural offshoot of a bankruptcy filing, they are of no help moving forward.  Now, more than ever, you need an experienced, compassionate bankruptcy attorney by your side helping you to stay focused on the reality of your situation.  And that reality is that you are NOT a loser.  You simply need some help.

Causes of Bankruptcy

Sure, there are cases of bankruptcy that are based on overspending and lavish living outside one’s means. That’s generally due to a lack of financial literacy or other issues.  But by and large the greatest numbers of bankruptcy filings are a result of an unexpected financial crisis, such as a medical condition. Oftentimes the loss of a job can lead to financial distress, or even a divorce.  Sinking large sums of money into a business venture, or maybe helping friends or relatives could get people into financial trouble. Sometimes it’s due to poor investments, or simply due to trusting the wrong person with your money. Regardless of the circumstances in your case, there is no point in labeling yourself a failure of adopting an attitude that you are worthless. Neither is true. And the sun will come out again with patience and a little hard work.

Bankruptcy is for Everyone—Even the Rich and Famous

First of all, recognize that there are plenty of rich and powerful people who have experienced bankruptcy at one time or another.  Everyone knows about Donald Trump’s multiple filings—and he’s not alone.  Walt Disney, Larry King, and Dave Ramsey have all filed bankruptcy at some point in their lives. So too have Merle Haggard, MC Hammer, Elton John, and 50 Cent.  Even Thomas Jefferson and Abe Lincoln found themselves in a position where they had to file bankruptcy at some point. Each of these people, and many others, have utilized bankruptcy filings to eliminate debt, and then were able to reinvent themselves.  So, too, can you.

Time to Reinvent

Now is the time to take a look in the mirror.  The person you see there has myriad talents and skills.  Focus on them, and take the steps forward to reinvent yourself.

  1. Develop self-awareness and recognize where you are, how you got there, and where you want to be.
  2. List your core values.
  3. Decide what changes you want to make in your life.
  4. Set measurable, achievable goals.
  5. Develop positive habits to support your goals.
  6. Reflect regularly on your progress.
  7. Evaluate and recalibrate as necessary.
  8.  Be honest with yourself.
  9. Get support when you need it.
  10. Celebrate successes, large and small.

Start Now

If financial woes have you feeling down now is the time to visit the Law Office of Julia Kefalinos.  Our proficient Miami bankruptcy attorneys can help you reclaim your life and put the creditors in the past. Schedule a confidential consultation in our office today.



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