If your bills have gotten out of control, you may be thinking about filing for bankruptcy. It's important to understand, however, when the time is right to make bankruptcy the next logical step. John D. Wieser Esq., P.C. is a bankruptcy attorney with offices in the Rochester and Buffalo, New York, areas. He has devoted his career to helping clients find lasting relief from the burden of crushing debt.

Here John D. Wieser Esq., P.C. discusses three indicators you should consider filing bankruptcy:

• Bill Collectors Are Calling Frequently: Are calls from bill collectors disrupting your daily life? Are these calls bordering on harassment? If so, your bills have likely become unmanageable, and bankruptcy might be the right solution for you. When you file for bankruptcy, the law requires that those annoying bill collection calls stop, and you can refer all collection agencies to your bankruptcy attorney.
• You Can Only Make The Minimum Credit Card Payments: Making the minimum payments on your credit cards really doesn't make a dent in lowering your overall balance. In most cases, you're just paying off portions of accrued interest or various finance charges. John D. Wieser Esq., P.C. will help you explore Chapter 7 and Chapter 13 bankruptcy as viable options in your quest to become debt-free.
• Your Income Level Is Staying The Same Or Going Down…But Your Bills Aren't: If those bills are continuing to add up and your income level is stagnant or even dropping, bankruptcy is a way out. You'll also want to look realistically at your future earning potential. If there isn't much upward mobility in your current position, and your hope for a better-paying job seems far out of reach, bankruptcy may make the most sense in your situation.

Call John D. Wieser Esq., P.C., at (585) 328-0660 to schedule a consultation with a bankruptcy attorney. You can visit the firm online to learn more about their other practice areas. Knowing when to file bankruptcy can give you a solid lifeline that offers a much-deserved fresh financial start.