As a bankruptcy lawyer in Denver, Colorado, I see a variety of responses to filing bankruptcy. Some people anticipate a major burden being lifted from their shoulders and their primary reaction is one of relief. Others, however, experience a wide range of troublesome emotions. In meeting with my many Denver bankruptcy clients, I often observe a certain amount of anxiety about filing for bankruptcy. A person’s self-worth may be intertwined with his or her finances. Thus I’ve learned that a bankruptcy attorney has several roles, one of them being to help clients accept bankruptcy as a fresh start—not just financially, but emotionally as well. Attempting to deal with overwhelming debt can be quite stressful. I try to never forget that a bankruptcy lawyer must be prepared to be both a legal counselor and a psychological counselor.
One of the emotions you may be experiencing is embarrassment because you feel like a financial failure. I am here to remind you that bankruptcy is not the end of the world. In fact, most bankruptcy cases proceed smoothly. After their hearing, many clients often say, “Is that all there is to it?” You must also keep in mind, as I have pointed out in a previous blog, you are not alone. Over the past five or six years, more than a million people have filed for bankruptcy each year. Also, remember, once you file for bankruptcy, bill collectors stop calling and creditors will no longer be able to take further legal action against you. Many clients report that they can finally sleep well at night once they have started bankruptcy proceedings.
You might find the idea of consulting with a bankruptcy attorney awkward, but the knowledge you will gain is important. A good bankruptcy lawyer will be patient and will help you to understand the bankruptcy process.
Finally, since we all know getting into debt can happen to the best of people, (refer to my blog on July 6th), consider your debt a setback and not a failure. Look at bankruptcy as a course of action to solve a particular problem. Learn what you can from your mistakes and ask yourself what you might do differently in the future.
I try to make the bankruptcy process as easy and stress-free as possible. If you are in need of assistance please contact me: at 303-955-7570, at help@cobankruptcyhelp.com, or fill out the free consultation form.
