• Job Loss• Sickness• Divorce• Bad investments• Poor money management• Keeping up with the Jones• Getting into a home and not being able to get back out

Understanding where you are now and where you want to go, that is the first step in working your way out of your financial situation.

I once read that the definition of insanity was doing the same thing over and over and expecting a different result.  Of course, many times you think if you simply persevere, things will get better.

The calvary always comes in the movies in time to save the day.  Superman always shows up to save Lois Lane.  Spider Man does his thing and everyone is happy.  However, real life seldom works that way.

For most of us, the calvary comes to the rescue only in our dreams.  You must take the steps that will allow you to move forward in your life so that you can reach your goals.  The first step is the hardest one.

• Analyze your situation and where you are in your life right now.
•  If you lack the income to make the payments to keep all of your assets, how will you pay for them.  Too often I hear that I just will.  The fact is that you have been trying as hard as you could and if you could make more money, you would have already done it.
• You have a job after having lost the last one.  If you were having trouble paying your bills before, are you making more money in the new job?  If you had been making this amount before, would you have had financial issues if you were making the amount you are making now?
• If your new job pays about the same as the old job, how do you catch up the bills that did not get paid while you were out of work?  I have not seen very many creditors say, I know you were out of work so I forgive the missed payments.
• When you were a baby, you had to learn how to walk.  If you have a stroke or severe trauma, you may have to learn how to walk.  Even if you can walk, you cannot go out and run a marathon without preparation and training.

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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