The new year offers a new start. Even if you filed for personal bankruptcy in 2012 or you are planning to, things will get better.
Here are some things you can work on in the new year to help you recover from personal bankruptcy easier in 2013.
January is actually a really good time to file for personal bankruptcy. Between tax planning and the Fiscal Cliff, January is very attractive to people to find a way to get out of debt through your bankruptcy.
There can many reasons why you feel the need to file for bankruptcy: medical bills, divorce, an expected death in your family or just plain overspending. When you feel like you are in a deep financial hole, it may be time to file for bankruptcy. It is possible that you overspent over the holidays, traveling to see your relatives or you decided to host a big holiday party.
The Fiscal Cliff is also another interesting thing to consider with filing for bankruptcy. Higher taxes and fewer government programs means you may be facing financial difficulties that you never had to experience in your life before.
You should also consider your tax refund considerations. Before you receive your tax refund, you should know that creditors consider the refund as an asset.
Before you file for bankruptcy, you should consult Leslie Williams Law to decide if bankruptcy is right for you in 2013. There are many individual circumstances that should be considered first.
If you need help recovering from personal bankruptcy, contact Leslie Williams. We’ll set up a and help you start moving forward—debt-free!