While our clients are rightly concerned with the cost of filing bankruptcy, we find that they often fail to vastly underestimate the cost of waiting too long to file a case, when the facts are clear that a case would be in their best interest. Credit card companies, medical bill collectors, and other creditors are experts at extracting every last dollar from people on the verge of insolvency. The creditors will call and ask for "just one more payment" for them to "forbear", when in fact, they actually have no immediate ability to collect on their debt anyway because they have not sued and obtain a judgment.
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Law Office of Jason Honaker