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Posts Tagged ‘stress’

Your Credit Score: When to Stop Fighting the Rapids

Tuesday, May 24th, 2011

“But won’t bankruptcy destroy my credit?!” We have heard it time and time again and are sure you have had that thought once or twice, especially if you are contemplating filing. The truth is bankruptcy actually acts as a repair for your credit.

Think about it, if you are having thoughts of filing bankruptcy, you probably aren’t in the best of financial situations at the moment anyways. The piling of bills and never ending debt aren’t looking so good on your credit report. If you’re trying to repair your credit score without bankruptcy, it may be like trying to swim up a white water rapid. No matter how hard you swim, the waves are too strong and will only push you back.

All of your bills and large amount of debt will keep pushing you back from achieving the credit score you want. Instead of fighting the rapids, you should think of exiting the river and walking up the stream.

With Bankruptcy, you discharge all of your stressful debt and are given a fresh start. Yes, your credit score will decrease when you initially file, but think of how easy it will be to reestablish an excellent credit score without having all of the baggage on you. You can walk up that river with ease; nothing will push or hold you back.

You can achieve that credit score you once had or always dreamed of once you rid yourself of everything that is holding you back and keeping you from what you financially desire.

Bankruptcy and the FUD Factor

Wednesday, May 11th, 2011

Photo by Public Affairs at Missouri State University

Do you get extremely anxious when you talk or even think about money? Are your bills piled so high that they sometimes spill over? And, when you do open those much feared envelopes, do you just peek at the minimum payment line? Like millions of others, you may be suffering from the FUD Factor, FUD standing for Fear, Uncertainty, and Doubt. Most psychologists will agree that this can lead to financial denial.

Denial is a disorder that plagues many Americans and leaves them avoiding and fearing anything having to do with finances. As one would suspect, the repercussions can be significant. Your bills, creditor calls, and debt will continue to grow. You may be optimistic and think everything will eventually work itself out, but that’s just the denial speaking.

There are various circumstances that could lead to having financial denial. If you were brought up in a background where talking about money was considered inappropriate, you will most likely feel uncomfortable or anxious when speaking later in life about it. On the other hand, those that grew up watching their parents argue over money will probably be fearful of the topic altogether.

Financial denial can lead to devastating outcomes, including divorce and even suicide.  It is crucial that you address the issue before any of these effects occur.  Bankruptcy, Debt Negotiation, and Tax Negotiation can help. That’s what we do. We help clients understand not only their situation, but more importantly, their options. We are here to help our clients find a path toward financial relief and a fresh start. By minimizing and wiping out their debt, most clients are able to focus on getting their disorder controlled and their financial lives in order.

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