Tax Season is in full swing.  Now could be the time to consider getting a fresh start through Bankruptcy.  Not everyone has been able to share in the recent economic upturn.  Medical bills remain a persistent problem for many families.  The normal American spends one in five dollars on healthcare.  Any unexpected medical expense could a family in a very difficult situation.  

Even with a good economy, job instability remains an issue.  People can move from job to job quiet quickly or go on layoff.  In those intervening months the bills don’t go away.  

Creditors (those you owe money) still engage in irresponsible practices enticing you into debt.  You may have found yourself desperate enough to take out one of those dreadful pay day or title loans.  

Its understandable to shove this uncomfortable issue aside and pretend it isn’t happening.  But NOW may be the time to act.  The average American family receives a sizeable tax refund.  Consider putting that tax refund to work eliminating your debts.  The cost v. debt savings could be immense.  Once that money is freed up, you can start building back your life. 

Creditors are not shy about harassing you and they will eventually sue you.  Even the hospitals will sue if you fall behind.  Once a lawsuit goes through, creditors are free to make your employer give them up to 25% of your wages.  This produces a snowball effect, putting your home, vehicles, retirement and other assets in jeopardy.   

Don’t let that happen.  Don’t “whistle through the graveyard” when there is a window of financial freedom in front of you.  Call the ONeill Law Firm at 608-519-3551 for confidential consult.  We can give you options and get you on the path to financial freedom.  The time to act is NOW.