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Bankruptcy Test — Should You Consider Bankruptcy?

Chances are, you're struggling with the decision whether to hire an experienced bankruptcy attorney to file a Chapter 7 or a Chapter 13 on your behalf. Your anxiety is understandable. Even talking to a lawyer is a tough first step. The questions below will help you assess whether to take that step.

   
  Is your home in foreclosure proceedings?
  Are you receiving threatening phone calls or letters from your creditors?
  Have your wages recently been garnished?
  Are you paying only the minimum amount due on your bills?
  Are you taking cash advances on your credit cards to pay off your debts?
  Has your car been repossessed within the last year?
  Do you often ask for loans from friends and family members?
  Are you having trouble paying off your student loans?
  Are you behind in your child support payments?
  Do you owe any back taxes?
  Have you lost your job?
  Have you suffered an illness or injury that is impairing your earning power?