O'Bryan Law Offices O'Bryan Law Offices
Call now for a FREE consultation!
502-400-4020
Office Locations

Do I have to be Behind on Bills before I File a Bankruptcy Case?

Many of the clients we work with have fallen behind on their mortgage payments, car payments, credit card payments, and many other bills. We also frequently work with clients that have not yet fallen behind on any of these bills but see that they simply cannot keep going the way they are going and will be behind in the near future. I am often asked whether someone should file now if they are not yet behind on bills or wait until they get behind on bills to file.

Many of the clients we work with have fallen behind on their mortgage payments, car payments, credit card payments, and many other bills. We also frequently work with clients that have not yet fallen behind on any of these bills but see that they simply cannot keep going the way they are going and will be behind in the near future. I am often asked whether someone should file now if they are not yet behind on bills or wait until they get behind on bills to file.

While you can file bankruptcy at any time, behind on bills or not, it may be better and less stressful for you to file sooner rather than later. The further you get behind in bills, the more likely foreclosures, repossessions, lawsuits, garnishments, and liens are to happen. These events can be detrimental to your life, your budget, your credit, and your health. Call us today to set up an appointment with one of our experienced bankruptcy attorneys to discuss when the right time is for you to file a bankruptcy case.

At O'Bryan Law Offices, we have helped thousands of individuals and families file Chapter 7 and Chapter 13 bankruptcies. Our clients have dealt with many of life's challenges, resulting in overwhelming debt. They chose to address their debt head on and give themselves the fresh start they deserve.

If you are interested in learning about your options through bankruptcy, make an appointment to speak with one of the experienced bankruptcy attorneys at O'Bryan Law Offices today. We now offer free "Life After Bankruptcy" courses to our clients to help them rebuild their credit score. Call us today at 502-400-4020 for a free bankruptcy consultation. Get a Fresh Start today!

No Comments

Leave a comment
Comment Information
EMAIL US FOR A RESPONSE

Free Case Evaluation

Bold labels are required.

Contact Information
disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.

close

Privacy Policy

Let’s get started today!

Call 520-400-4020 to schedule your free consultation!

Attorney Group Photo
Five Convenient Locations

Main Office:

  • Main Office

    Main Office:

  • Bowman Field

    Bowman Field:

  • Okolona

    Okolona:

  • Frankfort

    Frankfort:

  • New Albany

    New Albany: