Struggling with debt is a difficult position; not only are you worried about paying your bills, keeping your home, and providing for yourself or your family, you feel isolated and, oftentimes, ashamed. Knowing that the average American carries $38,000 in debt (not including mortgages) is not much comfort - but it does tell you that you are not alone. Many people try to hide debt from their friends and family. They try to pretend it isn’t affecting their lives, and, many times, they try to maintain a lifestyle that they cannot afford.
While it is difficult to find one thing on which most of us can agree, we do know that no one wants to start the process of estate planning. It is not comfortable to contemplate one’s own mortality, and it is tempting to delay these matters. It can also be intimidating. Where do you start? What do you do? What if you don’t have a “large” estate or massive wealth?
Here’s the reality: estate planning brings tremendous peace of mind. It is not so much about planning for the end - but planning to live your best life and not carry the worry of your affairs on your shoulders.
Even if it is amicable, divorce is still one of the most stressful events one can endure in life. And if it is not amicable… it adds yet more layers of complexity, stress, and anxiety. This is a rough time, an emotional time. And for many, it is a time that could well have long-lasting impacts in terms of custody and support decisions. It is exceptionally helpful to have an experienced guide to help you navigate the process and to ensure your rights are upheld. How do you find the right divorce lawyer?
When you are in a position where debt is spiraling out of control, you can feel as if your options are extremely limited. And it can feel as if there is nowhere to turn for help. This is especially true when you are facing foreclosure. Chances are that you are also falling further and further behind on other financial obligations, and stress is mounting. Will filing bankruptcy help you avoid foreclosure?