A common misconception is that once you file bankruptcy, you life is over. The fact is that bankruptcy is the only way to start over for most people. If you have a lot of debt and cannot pay it, your creditors will not say, that is too bad and simply leave you alone.

What will happen is that the creditors will continually bother you and try to collect the money that you owe. If you manage to accumulate any assets, the creditors will try and take them away from you. If you try to do anything, your creditors will quickly slap you down.

Lots of people have had to file bankruptcy over the years and most of them have successfully started over, bought homes, raised families and gone on to have good and happy lives. If you do not file bankruptcy, what will happen to you?

The answer is very simple and the answer is more of the same. If you do not like the way your life is going now and do nothing, what is going to change. You are doomed to continue doing the same thing that you were doing yesterday and the day before.

Toni Braxton recently filed bankruptcy for the second time. Her story is sad in some ways. She had signed a bad contract and was not making enough money to pay her bills. After her first bankruptcy, she was doing well again. However, she contracted Lupus and was forced to breach contracts because she could not perform. She now has her medical condition under control, but, her creditors would not give her the time and space to catch back up.

Toni Braxton is a brave person who has fought to get to the top of her profession not once, but, twice. Her other choice was to say poor, poor me and not try to get back to the top of her profession. I am sure that there will be those who will think less of her because of her filing bankruptcy.

For Toni Braxton, she has found that taking care of herself has caused her to find out that her friends, family and fans still love her. Those that would think less of her, she simply does not care about.

There is a wonderful person who is going to help you start over. THAT PERSON IS YOU.



About Nathan Davis, Esquire

Born in Charleston, South Carolina, Nathan Davis has been practicing law for many years. Mr. Davis has a wide variety of experiences having practiced domestic relations, criminal law, social security law having also practiced collection law in the past. This knowledge is helpful when someone needs to restart their financial life. The practice is now primarily bankruptcy and debtor representation work, but, Mr. Davis continues to also practice real estate law, trusts and estates and a general litigation practice. I believe that the most important part of representation is trying to leave you better off when the case is finished than when you started. Although I will do as my client directs, I will always tell you if I think that you are making a mistake. Bankruptcy is about a "fresh start". If you do not make changes in what you are doing, you will be doing what you are doing now in the future. There is no shame in bankruptcy or other steps that you may take to start your life over. Too often, people worry more about things than about themselves, their family or their future.
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