A Chapter 13 Bankruptcy Lawyer Can Save Your Marriage

A Chapter 13 bankruptcy lawyer is a legal representative who specializes in bankruptcies. This is a different form than Chapter 7 which is a total liquidation of debts and assets. Chapter 13 is a way of reorganizing the structure of debt in order to make it manageable. In many cases, an individual or couple who files may keep his or her home, if that is the desire. Money troubles are extremely difficult, to say the least. The whole country seems to be upside down on their mortgages, credit cards and overall finances. Red ink is flowing like rivers around the country. Unfortunately, crushing debt loads are hard on marriages. Fighting over money is common even in the best of times. Alleviating the pressure by reorganizing the bills can be a way of breathing life back into a troubled marriage.

Here are some things to think about before hiring a chapter 13 bankruptcy attorney:

United front: When a couple decides to take a step to reclaim their financial solvency, they do it together. Going through a difficult process with a partner can solidify the relationship once again. Anyone that goes through a trying ordeal with a loved one will be bonded in a whole new way.

No more harassment from creditors during dinner time: Sitting around the dinner table with the family is a ritual that bonds them to each other. Food is equated with love and nurturing. Preparing home cooked food, sitting down to enjoy a meal together can be shattered into a terrible experience if the phone rings and it’s a creditor haranguing about a late bill. Once Chapter 13 has been filed, a family can enjoy mealtime without harassing phone calls.

More money for dates. Although dates don’t have to be expensive, it’s important for a husband and wife to be able to have regular date-nights in order to keep to keep their relationship vibrant. Going to a budget movie or the local deli for a sandwich can be a way of spending special time together to celebrate the relationship. When money is so tight that there’s not even gas in the car’s tank, it’s a bit hard to spend any on dates. By reorganizing bills, this will free cash up for investing in the quality time of a relationship.

Kids will chill out: Ever notice how the children in a family are barometers of what’s going on between the adults? When financial problems arise and Mom and Dad are fighting, this will seem to Junior like the perfect time to skip school or act out in other inappropriate ways. When the Chapter 13 Bankruptcy lawyer files the correct paperwork, the harassing phone calls from creditors have stopped and tension has been released, the kids will likely settle in again. When children are behaving, this is one less source of conflict for a husband and wife to contend with.

Contacting a Chapter 13 Bankruptcy lawyer can not only relieve financial pressures, it can restore a harmonious partnership between husband and wife. Taking this step can allow a marriage to heal and become revitalized.