Clients are often sitting or talking to me and must make a decision about keeping or giving up their home. The last time I looked, there are lots of houses in Charleston, Orangeburg, Dorchester, Berkeley and Colleton County, South Carolina. Clients think that somehow their world will end if they get rid of their home. I understand this feeling and part of the reason for this is that for a lot of years, people who owned their homes made money. If you needed to sell your home, you could do so easily and quickly.

 People are always worrying about what they spent on their home, the work they have done and where they will live. That is truly the wrong way to look at the issue of keeping or surrendering your home. Your decision is the smart one or not a smart decision based upon your circumstances, dreams and plans. Unfortunately, too many people do not put enough emphasis on where the want to be in making this decision. Many times, people try to run the “Race of Life” with a 20 pound weight keeps you from being able to finish first. Even worse, they do not even plot a course or plan to get where they want to go. Once you are winning the race, another house is easy to obtain, if you decide you even want a house. 

If you live in NY City, you may not own the place you live in and not even own a car. Is that a good thing, I do not know. I do know that it will be easier to do some of the other things in your lives that you did not do because you had to fix the roof, save to replace the air conditioner or whatever. Is it more important to spend $6,000.00 to upgrade or change your skills? If you are not anchored to the house, you are free to pick up and move closer to work, family whatever.

If you think you might want to change your life some, but, have no idea what you could do, what your strengths are and how those strengths could make work more fun etc, you may want to even consider doing some testing to give you guidance. Vocational testing is not only for those who have suffered an injury so that they can no longer do the job they were doing. Vocational testing may show you things that you might be better suited to do.

One question that you need to ask yourself is a very simple one. Are you doing now what you want to be doing 20 years from now? If the answer is no and you do not work out a plan for change, you will, 20 years from now, be doing what you are doing now. Is it good enough to look forward to retirement for 20 years so you can stop doing what you doing now?

There are lots of jobs and careers in the Charleston, South Carolina area. Any living thing that does not grow, dies. Are you going to “look forward” retirement or “look forward” to life.

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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