During my many years of being a bankruptcy lawyer in Colorado, it has become clear that people react quite differently to the act of filing bankruptcy. There are those who are able to recognize that bankruptcy is an economic tool used to help remove excessive debt acquired due to events beyond their control. Their main reaction is one of relief.  

Others, however, experience a wide range of troublesome emotions. In my encounters with many bankruptcy clients, I often notice that they are anxious about filing bankruptcy. Part of their discomfort is due to the fact that they are entering a new unfamiliar experience. Another facet of their concern is being unsure how bankruptcy will impact their future. Also a person’s self-worth is often intertwined with his or her financial situation. Thus some people may experience embarrassment because they feel like a financial failure.

Over time, it has become clear to me 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 and a psychological counselor.

I want to remind you of several things about bankruptcy:

• It is not the end of the world. Getting into debt can happen to the best of people, 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.
• Most bankruptcy cases proceed smoothly. After their hearing, many clients often say, “Is that it? Is it done?”
• You are not alone. Over the past five or six years, more than a million people have filed for bankruptcy annually.
• 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.
• There are ways to work on improving your credit after filing bankruptcy.
• You might find the idea ofconsulting 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.

I try to make the bankruptcy process as easy and stress-free as possible. If you are in need of assistance please contact me. Kevin D. Heupel, Colorado Bankruptcy lawyer, 303-955-7570, COBankruptcyHelpEmail, free-consultation form. I will answer your questions with no obligation. I am here to help.