The ability to properly manage your money, and keep to a budget isn't something we are born with. The majority of people have trouble with budgeting and money management, and debts can get completely out of hand, and impossible to pay off. When life throws a curveball, such as job loss or a medical disaster or a divorce, the debt situation can get completely out of control. Add endless offers of credit, and it is no real surprise that U.S. bankruptcy courts reported more than 1.2 million bankruptcies in 2012.

At Alan J. Fisher, PA, we have great experience in resolving all of the various difficulties associated with debt, and we have solutions that could work for you. When you are fighting to stay above water, and are still unable to keep up with your financial obligations, we can help. You should not have to face the stress of creditor harassment, collection agencies calling you day and night, and the threat of having your wages garnished, as these only magnify the anxiety and worry. It is not uncommon to wonder who you can turn to or where you can go for help. You may have considered going to a debt consolidation firm or a debt counselor. You also may have wondered whether or not you should file for bankruptcy. We recommend you contact our Boca Raton debt counseling attorney as soon as possible.

Our firm has more than two decades experience with bankruptcy and debt-related issues. We have a comprehensive understanding of bankruptcy law and have helped numerous clients alleviate their financial worries through our bankruptcy and debt counseling services. Whether a job change, a divorce, an over-extension of your credit, or any other circumstance brought you to the brink of financial ruin, our firm is here to help you get a fresh start. We not only offer debt counseling services, but we also can assist with debt negotiation and debt settlement as well. Our firm can also offer legal advice and services that other credit counselors are unable to provide.

Signs You Need Debt Counseling

Almost any person can get into a short term financial bind. Maybe you have gotten behind on your credit card payments or you are upside down on your mortgage. Before things go too far and you find yourself in foreclosure, or having to file for bankruptcy, here are some telltale signs you may be in need of debt counseling or our other debt related services:

• You cannot afford to make even the minimum payments on your credit cards;
• You are consistently making late payments on your rent, phone and other monthly bills;
• You have been unable to refinance your bills or get additional lines of credit;
• You are starting to get calls or notices from creditors about your delinquent accounts;
• You are constantly searching for extra work just to try and stay financially afloat;
• You have used up most of your savings to cover daily/monthly expenses;
• You have co-signed a loan for another person and are now financially liable, and/or
• You have no emergency funds to fall back on.

Contact our firm today. When you do, an accomplished Boca Raton debt counseling lawyer will be able to thoroughly review your current finances and advise you on how to proceed. We will also work with you closely to prepare an effective strategy to help you get out of debt, whether bankruptcy or an alternative, educate you on how to stay out of debt, and get you moving on the road to financial freedom.