I JUST HAD TO BURY MY FATHER AND LOST A LOT OF TIME FROM WORK TRYING TO HELP HIM IN HIS FINAL DAYS. THIS HAS SET ME BEHIND ON BILLS AND I DON’T KNOW WHAT TO DO. CAN YOU HELP ME?
The whole purpose of the bankruptcy code is to help honest people get a fresh start due to circumstances outside of their control.
Even though death and taxes are the one guarantee in life, one can never plan for a loved one’s death.
If you got behind on your bills because you were caring for your loved one over the past few months or years, you should never blame yourself for taking care of a parent. It is always your obligation to honor your parents.
If your honoring your father led to financial problems, bankruptcy can certainly help you. If you are fortunate to stay current on your mortgage and car payments, you may qualify for a Chapter 7 and get a fresh start if you qualify. However, if you fell behind on your mortgage, car payment, real estate taxes or other secured debts, you may need to reorganize under Chapter 13 which will give you up to 5 years to catch up on arrears or restructure a car note.
However, you did the right thing and the law is here to help you resolve your financial problems. If you are facing financial hardship due to making the right choice, call Steven N. Taieb, Esq. to learn how he can help you resolve your financial issues.
Steven N. Taieb, Esq. is here to help you and is a South Jersey Bankruptcy Attorney who has helped over 7000 people with their financial problems for the past 32 years and is board certified in consumer bankruptcy law by The American Board of Certification which is accredited by The American Bar Association.
We are more than happy to discuss all your options and to see if bankruptcy is the best option for you.