It’s the last week of October, which means the holiday season is fast approaching.  If you’re currently struggling with your debts, you may have been considering hiring a bankruptcy attorney to assist you with your bankruptcy filing.  This is obviously a very personal decision you’ll need to give some careful thought, especially now when the holidays might tempt you to make additional charges on your credit cards.  Let’s take a look at a couple of reasons why it may be wise to file before the holidays are in full swing.

For starters, you can avoid the uncomfortable potential scenario of collection agencies giving you a call when you have guests over, ruining the festive mood. Upon filing for bankruptcy, creditors receive notice that you have filed, and all collection calls or attempts must stop.

Again, it’s incredibly tempting to use your credit card to pay for holiday gifts and filing for bankruptcy will help you take a step back and keep them from being used. What’s more, filing before the holidays reduces the odds that your bankruptcy might be interpreted as fraudulent.  A major purchase within ninety days of filing will likely come across as suspicious.

Lastly, why not start the New Year off with a clean slate?  You’ll have one less major concern to worry about, and you can start devising new financial resolutions towards rebuilding your credit and your financial future.

These bankruptcy tips are provided to you by Fort Lauderdale bankruptcy attorney Bigge & Rodriguez, P.A.  If you need a Fort Lauderdale bankruptcy lawyer or have questions about Chapter 7 or 13 bankruptcy, call 954.400.7322 to speak with us.  We also specialize in foreclosure defense.