You Might Need to Speak with an Indiana Bankruptcy Lawyer If

                   Nothing frustrates me more than when a professional from whom I have sought a service asks me a question about his or her area of expertise.  For example, if a dermatologist's office asks me if I have dry, normal or oily skin I think to myself, isn't that something you should decided?  It would be akin to an auto mechanic asking if I knew how my tire pressure was reading when I took the car in to see if I needed new tires.  But I have realized that, to an extent, people who are in financial distress and may need to speak with an Indiana Bankruptcy Lawyer have to self-diagnosis at what point they should speak to an attorney.  As a result, I am writing this blog to give readers an idea of when it might be a good idea to speak with a bankruptcy attorney.  Of course, the more of the items on this list that are happening in your life, the more likely it is that you should be speaking with a bankruptcy attorney.  I emphasize speak with and not necessarily file bankruptcy because each case is different and complex and should be evaluated by a professional.  But in my experience most bankruptcy attorneys in the Indianapolis area give a free consultation, so if you are unsure it is worth a consultation.  At any rate, you might need to speak to an Indiana Bankruptcy Attorney if:

1.  You are either missing credit card payments or will be late on credit card payments within the next 30 days;

2.  You have received a summons and complaint in the mail, which means you are being sued by one of your creditors;

3.  Your bank account has been frozen by a creditor;

4.  In order to have enough money to pay your minimum credit card payments you must use your credit cards to buy necessities such as food, clothing and utility payments.  You have been doing this for many months or even a year or more;

5.  Each week you use your paycheck to pay off a cash advance and get a new cash advance.  You cannot escape the cycle of cash advances;

6.  You are constantly looking to relatives to help you with money;

7.  You lost your job and have secured a new job, but your income at your new job is significantly lower;

8.  You haven't bought any clothing for years and you are eating rice, beans and noodles for dinner every night;

9.  You have defaulted on your student loans;

10.  Your car has been repossessed;

11.  Your mortgage company is suing you for mortgage foreclosure;

12.  Your mortgage company just denied your application for loan modification;

13.  You own your own company and haven't paid yourself in months.  You also haven't paid income taxes or withholding taxes;

14.  You haven't used a credit card in years and have been attempting to pay off your credit cards for several years and have made no progress whatsoever.

15.  Your phone is ringing off the hook from debt collectors;

16.  Financial stress is causing you to have mental health issues such as panic attacks or you are suffering other health problems due to your financial stress;

17.  You are several months or even a year or more behind on your house payment;

18.  You have received a notice from the IRS or Indiana Department of Revenue regarding tax levy;

19.  You have credit card, medical or other unsecured debt (not including student loans) of $15,000.00 or more;

20.  You have done everything you can think of to get out of debt including cutting back on expenses and getting a second job.  You still cannot make your budget work and you are at your wit's end.

             If you find yourself answering "yes" to at least five (5) of these questions it is time to speak with a bankruptcy attorney.  If you would like to meet with me at our Halcomb Singler office in Carmel, Indiana, regarding bankruptcy click here.  There is no fee for the appointment.  I may tell you that you do not need to file bankruptcy.  I may have some other ideas for how you can dig your way out of debt.  I may also tell you that I wish you had contacted me a year ago to file bankruptcy.  Regardless, there is no fee for the initial consultation.  If you are struggling financially I look forward to meeting you and I hope I can help.

Halcomb Singler, LLP, is a debt relief agency.  It helps people file for bankruptcy under the bankruptcy code.  No attorney-client relationship with the firm of Halcomb Singler, LLP, is created through this blog. Also, please note that Erika Singler is an attorney licensed in Indiana and does not seek to practice law in any jurisdiction in which they are not properly authorized to do so.  The information contained in this blog is general in nature and should not be relied upon for the circumstances of any individual(s) or businesses.