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Posts Tagged ‘los angeles chapter 13 bankruptcy’

Chapter 7 Bankruptcy: From Financial Bondage to Financial Freedom

Tuesday, May 31st, 2011

The following story is an unedited letter from a client detailing the difference that bankruptcy, and Doan Law Firm in particular, made in her life. She asked that we not publish her name.

When in debt and facing the potential of bankruptcy, we often feel like slaves to our debtor. We feel this because most likely we are.

If we are unable to pay on time, we are charged more.  If we ignore the creditor, we are tainted with marks to a credit score while being charged more fees.

After years of avoiding creditors, my husband and I called Doan Law Firm. I came into their office feeling defeated and guilty. I knew those feeling were a direct result from the shame I felt after being sued not once, but twice, for not paying creditors. And the truth is I felt we deserved being sued, since we were unable to repay the debt.

After having excellent credit and being debt free, for years, my husband was in a bad accident on the job. He was not only hospitalized, but terminated from his job while laying in the ER.

When it was time to keep the lights on, I was grateful we had good credit. I figured it would allow us to make up the the difference in income we had lost from his job. But when my husband fell into a deep depression during a bad case of post traumatic stress syndrome, I felt that paying bills with credit cards, instead of having my husband worry about the finances, would be best. This ended up being my biggest regret.

Time passed so quickly and all the 0% cards soon came back at 32% and within two years we were way over our heads.

As devout Christians, I knew the debt was a sin.  First, I was not only unable to keep my word and repay the creditors, but now money (or the lack of money) had become our biggest worry! I know to worry is the expectation that God is going to fail me, yet I operated in fear trying to fix things financially the wrong way. It was wrong to ignore the creditors while I was praying for some miraculous pay off that never arrived.

We didn’t want to file bankruptcy; we wanted to pay everyone back! Our excuse not to file was a mere reflection of the pride we carried.

After speaking to a rep at Doan Law Firm, I was told that I only needed a penny to remind me to trust in God. After that phone conversation I felt God tug on my heart. I hung up with that rep and that afternoon is when I fell to my knees in repentance. I didn’t realize how much I needed to repent from. I had to repent from mismanaging money, the spirit of entitlement ( I wanted to keep living the same way I did before the accident), I had to repent from lying ( I spent months lying to creditors telling them I would call them back and never did),  and from the spirit of pride which kept me from getting help sooner. I fell on my face asking God to forgive me for being in debt, regardless of how I got there. I hadn’t realized how much was attached to the debt and how much it was blocking me from growing spiritually.

We had been tithing for years and still weren’t able to find financial overflow or freedom from living pay check to pay check.

It finally all made sense to me when I repented right before paying for our bankruptcy. God removed our pride and sense of entitlement, and He reminded us during this process how important it is to live right in every area of our life, and this included in our finances.

Recently, after we have arrived to a new season in our walk with the Lord, I lost one of my biggest accounts. I was worried, but the week we repented I saw a miracle. I picked up 3 new accounts, which tripled my income. I praise God because his love and mercy never failed us. He forgave us. In our case we needed to repent in order for the windows of heaven to release all that he had in store for us. It’s amazing all the goodness that comes from walking in obedience!

“Thank you Doan Law Firm for showing us love and compassion; we really needed it.”

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