Psychology of Debt

This law firm is very warm and welcoming in a difficult situation. Mr. Schwilm and his staff are very friendly and happy to answer questions and calm fears. The paralegal, Abby, even lent a sympathetic ear as I broke down in tears in her office. She was also willing to work with me and my crazy schedule between a full time job and children. I would highly recommend this law firm for any of the ...

Psychology of Debt

Charlotte Bankruptcy Lawyer

We cannot ignore the fact that earning money, saving money, and spending money takes up a substantial portion of our lives. Most of us would like to have more money. Having money allows us to live comfortably, to provide for our families, plan for the future and enjoy recreational activities and leisure time. If money stresses or debt is preventing you from enjoying life, we encourage you to contact a Charlotte bankruptcy attorney from Schwilm Law Firm, PLLC.

Attorney Schwilm has over 15 years of experience, over which time he has handled thousands of Chapter 7 and Chapter 13 cases. Committed to client satisfaction, we are accredited by the Better Business Bureau (BBB) with an A+ Rating.

Emotional Effects of Debt

Money affects our daily lives, it dictates where we live, what type of car we drive, what we buy, and to some extent, our position in society. When we don't have enough money, it narrows down our choices and it restricts our ability to partake in the pleasures of life.

Essentially, money is linked to our inner lives. The presence of money, or lack thereof can have profound mental, emotional and physical effects. For the average person, money can have tremendous power over them.

Almost everyone has financial issues to some extent or another. People lose their jobs, real estate markets collapse, marriages fall apart, people get sick, and bills pile up. All of a sudden, we find ourselves in the midst of a financial emergency and we are forced to deal with an array of material and emotional consequences.

Responding to a Financial Emergency

While some money problems are self-inflicted, most financial emergencies are beyond a person's control. Regardless of what drove someone into debt, once there, the debt can trigger a host of unsettling emotional responses, some of which can lead to too many sleepless nights and even marital discord (for married couples). Such situations often lead to a continuous state of worry, thereby making it difficult to function at work, at home, and in our daily lives.

Stress over losing a home to foreclosure, losing automobiles to repossession, and not being able to provide for the basic necessities of one's children can do a number on a person. Such conditions can easily invoke emotions of anger, fear, panic, and depression.

Finding Relief in Bankruptcy

If any of the above sounds familiar, we want you to know that there is light at the end of the tunnel. We urge you to make an appointment so you can discuss the details of your case with our attorney. If bankruptcy can give you and your family the stress relief that you need and the second chance you deserve, there is no reason to keep enduring a stressful situation when you don't have to.

Contact our Charlotte bankruptcy law firm to schedule a free case evaluation today!