“I am a bad person for being in debt.” “I am an even worse person for filing bankruptcy.” These are myths.
The circumstance of anyone burdened by debt has typically been seen with derision rather than sympathy by the American public. People tend to assume that the underlying basis for getting in debt is an unsupportable, invalid reason and somehow related to the debtor having a negative moral character. In other words, an unfortunate individual saddled with debt is labeled as a “bad person” with no consideration of how the situation truly arose.
In 2005, the bankruptcy reform lobby capitalized on this very notion to push the enactment of the BAPCPA through Congress. Many readers of this blog may agree with this perspective – until some unexpected turn of events creates the same situation for them.
Simply put: bad things happen every day, even to good people. Of course, there are always some people who spend frivolously and are financially irresponsible. Amazingly, of the thousands of bankruptcy cases that I have filed over the years, the percentage of debtors who meet this criterion is surprisingly low. And why do we negatively label our family members, friends, neighbors, and co-workers simply because they are acknowledging their mistakes and misfortune in an effort to gain a “fresh start” and move forward in life?
Thousands of Utah residents file bankruptcy each year, not because they are bad people, but often because of simple unforeseen, bad luck. Most bankruptcy debtors truly want to resolve their financial distress and move forward, which is a primary public policy behind bankruptcy. Bankruptcy allows hard-working Americans to pursue and obtain the fresh start which federal law, even BAPCPA, still offers them.
At the Morrison Law Group, we believe every Utah resident deserves a fresh start. We also believe that filing bankruptcy is one of the easiest options for transitioning to a better financial state of being. What can bankruptcy do for you? It will help you relieve financial turmoil, reduce emotional stress, and return to a normal life.
The Morrison Law Group strives for complete client satisfaction with the services that we have provided over the course of a bankruptcy case, as well as the ongoing services that we provide post-bankruptcy. Not all Utah Bankruptcy attorneys can make this statement, but the Morrison Law Group is not like other Utah bankruptcy law firms. The Morrison Law Group can help if you just need to talk about your Chapter 7 or Chapter 13 bankruptcy options. Call 801.456.9933 today to schedule a FREE consultation. We have locations in Ogden, Logan, Sandy, and St. George to serve the residents of the counties of Weber, Cache, Salt Lake, Utah, Morgan, Davis, Washington, and surrounding areas.