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I'm broke.Now what?


Fri, Feb 25th, 2011
Posted in Ask the Expert

Scott K. Springer

Unfortunately, cash flow shortages are too common. The causes for shortages vary but don't always mean that you're a bad person - or a bad credit risk if you take steps right away.

If you're having trouble paying your bills, bankruptcy may be an option for you, but it shouldn't be your first choice. Often there are other options that can be less painful and have a smaller impact on your credit worthiness.

Some alternatives are 1) Modifying terms on your mortgage - this has been relatively common due to federal legislation;

2) Using a debt counseling service to stretch out payments;

3) Negotiating debt reductions on your own, or with the assistance of a service or an attorney; 4) Selling some assets to pay off debts; 5) Consolidating debts.

Whatever your situation, quick action improves your chances for a personal economic recovery. To explore all of your options, call us at Springer & Gumbel Law Office.

Springer & Gumbel, P.A.

141 W. Fillmore St., Preston, MN

Phone (507) 765-3600

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