Scupp and Berman LLP

If you are reviewing the information we have provided you are one of millions of people in the United States who are now facing insurmountable debt and considering whether filing a bankruptcy is in your best interest at this time. 

Frequently, individuals who find themselves unable to pay debts which can be overwhelming have reached that point due to any number of the following circumstances:

• Illness
  
• Loss of employment
  
• Divorce
  
• Death of a spouse
  
• Support of family members other than spouse and children
  
• Gambling addiction
  
• Failure of an individual’s business
  
• Increase in individual’s adjustable rate mortgages

As a result of these above events, individuals who can no longer meet their debt obligations frequently encounter emotional stress, depression and a feeling of helplessness.  The emotional stress individuals face with mounting debt is frequently increased by the following common events:

• Bill collectors who will call you at home, work, or even attempt to speak with relatives concerning repayment.
• Lawsuits filed against you by creditors’ attorneys which led to judgments being obtained against you.
  
• The fear that your wages will be garnished or your checking or savings account frozen by creditors.
  
• The repossession of your vehicle if a lender has a lien against the vehicle and you have missed two consecutive car payments.
  
• If you are a homeowner, the fear of foreclosure due to the fact that you have fallen behind in your payments and the lender refuses to work out a repayment for the arrears due.

Bankruptcy law is designed to assist individuals who are facing some of the
financial difficulties described above.