Many people live in denial when it comes to their financial situation. There are times when it is necessary to contact Bankruptcy Attorneys Hartford CT, but someone does not want to admit that they are in a tough situation. There are a few things that you can use as a sure fire clue that you need to contact a bankruptcy attorney right away.
Avoiding the Mail
If you dread going to your mailbox or simply avoid it all together, this is a sign that you may be facing a few financial issues that you need to deal with right away. The average person does not avoid bills altogether. Everyone hates getting them, but someone who simply cannot pay them often avoids even opening the envelopes at all.
Paying for Daily Expenses with Credit
If you do not have the money to buy groceries or put gas in your car, you may have financial issues. There are some people who make the mistake of getting a credit card when they are not able to handle it responsibly. Credit cards are designed to be used for large purchases. They are not good to use to keep you afloat when financial times get hard because there are interest rates that you need to take into consideration. Many people do not realize that even if they make the minimum payments, the amount they owe still increases because of the interest rates. Credit cards need to be paid in full in a very short period of time to make them worth having.
Choosing Overdraft Fees over Going Without
If you have a bill that is due and do not have the money to pay it, but choose to write a check for the bill anyway, this is a great sign that you need to contact Bankruptcy Attornes Hartford CT as soon as possible. Allowing your account to go into overdraft is not a solution for your debt. Many banks charge insane rates for over drafting and will even shut down your account if you do it too many times. You should not have to rely on a bank to cover your bills for you.