We are coming up on three years post bankruptcy and I must say, I don’t miss the credit cards.  Mind you, it wasn’t credit card debt that broke us – it was a failed business, but still it was nice to be able to use a card for the occasional “emergency”.  Now that we’ve gone three years without one, I’m finding that saving for an emergency is a much better plan.

Looking back, I am so glad we used a local bankruptcy attorney who knew the rules for our city or county.  If I can give you one piece of advice – that would be it.  Use an attorney from your city or county.  If you live in Oakland, look for Oakland bankruptcy lawyers, if you live in Los Angeles, well you see where I’m going with this.

We have had a few friends who tried to use a do-it-yourself service for their bankruptcy.  This is basically just a service that assists you in filing the paperwork but can’t give you legal advice or be in bankruptcy court with you.  One friend ended up having to hire an attorney anyway, after the bankruptcy court turned her down, partially to appeal and partially to help her sue the do-it-yourself service.  Believe me this is something you don’t want to skimp on!!

Going through a bankruptcy was one of the toughest times of our lives, but it was such a relief when it was over and we are so glad we did it.  If you are in a desperate financial situation, a bankruptcy could help you too.  Talk to your attorney to find out what your options are.

This is a sponsored post for Lincoln Law, however, all the points and
views are my own.