• Spectacular!

    I liked your fast, friendly service. You were all knowledgeable in the area of bankruptcy. Your treatment of me as a client was spectacular! You were great at promptly responding to my questions and concerns. I loved that you provided courteous and quick responses to all my questions.
  • Highly Recommended!

    I have worked with Seth and he is the utmost professional in how he works with his clients. If you need an attorney you can trust I would highly recommend the Law Office of Seth Hanson.
  • Very Professional.

    Everyone was very professional and efficient. Seth, and everyone that I had contact with were very knowledgeable. I was very pleased with how we were treated by his staff. My questions were always answered promptly. I was very pleased with the service I received and would not hesitate to refer someone to your firm.
  • Non-judgmental.

    You were very open and answered all of my questions. You never made me feel like I was asking a dumb question. I was comfortable with your knowledge of the law. It was hard for me to make this decision to move forward in my life. Everyone was friendly to me and respectful. Non-judgmental. Every question I asked was answered promptly and appropriately. I would recommend you.
  • More Than Expected!

    I found the firm's representation to be more than what I expected. I was always kept in the loop, all my questions were answered (whether or not I asked more than once the same question), and I felt completely supported by the firm staff when going through this (at times) scary ordeal. Thank you again.
  • Very Impressed!

    I liked that you had very friendly, caring staff. You were all very knowledgeable. Your treatment towards me was excellent and you quickly responded to all my concerns. If a friend asked of your overall impression, I would say that we were very impressed and we would recommend you to them.

When And When Not To File Bankruptcy

Bankruptcy is a great option for lots of people. It can free your finances and bring tremendous emotional relief, allowing you to invest in yourself and others in ways which are impossible when your burdened with unmanaged debt. But bankruptcy isn’t right for everyone. Here are some reasons why you should or shouldn’t file bankruptcy.

Should File…     

  • Unforeseen life events: Things like loosing a job, dealing with an illness, or a death in the family can wreak havoc on one’s finances. Bankruptcy can discharge most kinds of debt including medical debt, debt incurred from funeral expenses, and credit card debt. You might want to seriously consider bankruptcy if a dramatic life event put you and your family in an unmanageable amount of debt.
  • Financial Mistakes: We all make mistakes. Bankruptcy is a good option if you have wandered into excessive debt and can’t pay it off. Just be sure to learn from your mistakes so you don’t have to file again!
  • Foreclosure: Filing a chapter 13 can keep your home from being auctioned off. Though you have to be sure that you can get caught up on your arrearage through your payment plan. If not, then you’re just procrastinating moving out of a home you can’t afford.

Should Not File… 

  • Premeditation: It’s wrong to file bankruptcy if you deliberately racked up debt with the intention of discharging it through bankruptcy. This is an abuse of the legal system.
  • If you can pay back debt: You should pay back what you owe. Take an honest look at your income, expenses, and debt level and ask yourself if you could pay off your debt in 5 years or less. If you can manage to pay your debt in that timeframe, then I believe you should do so.
  • If you think it’s immoral: You should never act against your conscience. If you don’t think it’s right to file bankruptcy, then go with your convictions and look into debt negation or another alternative to bankruptcy.

I understand that deciding to file bankruptcy can be a tough call. If you would like to discuss if bankruptcy if right for you, then give us a call. I’ve helped thousands Fairfield bankruptcy clients and would be happy to assist you

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