
By Anthony Buono
Many people come to me when, financially, it is already too late. They have been receiving the notice of foreclosure letters for 120 days, and all of a sudden they need to be out of their house tomorrow and they want us to help them. Understand, we would love to help, but we needed to begin our dialogue several months or at least several weeks ago. If you have over $15k in Credit card debt and you make less than $100k a year, you need to talk to someone. You are already in financial trouble. If you are paying the minimums on your credit card, at this rate it will take you 22 years to pay off your credit card debt.
Does that sound familiar? If you are living week to week, then your financial situation is not stable. You should talk to a professional credit or bankruptcy attorney. There are warning signs of financial troubles, but unfortunately, human nature is to stick our head in the sand.
This is not the answer to consolidating your debt, avoiding bankruptcy, or staying out of bad financial straits. Plan ahead if you are having financial troubles. How do you know you are having financial trouble? With a little introspection, you will realize that you already know if you are. However, here are some questions you should ask yourself: Are you paying for essentials with a credit card? Are you paying only the minimums on your credit cards? Do you owe more than 15k in credit card debt and making less than $100k per year? Have you skipped a mortgage payment? Or two? Are you living week to week? Have you already received a notice of foreclosure on your home? If any of these questions ring true, please call us at 877-619-5089 while there is time for us to help you. If all of these ring true, please call us today. And, while it is human nature to choose to ignore these problems, think of how much better you will sleep at night once you start getting answers to your questions, start putting together a solution, and start understanding the process. Call us at 877-619-5089 for yourself and for your family.