WARNING SIGNS Things You Should Consider

If you are in financial trouble, you are not alone.  Every year over a million Americans need bankruptcy protection to put their problems behind them. At the Law Offices of Flume & Associates we have helped over three thousand people just like you find the legal solutions they needed to put their finances and their lives back on track.

Please take a moment to answer the questions below. This quiz is designed to determine whether or not you should seek the advise of a Debt Management professional such as an attorney.  It is important that you answer each question openly and honestly.

Are any of your credit accounts more than 30 days late?   Do you only pay only the minimum payment due on your credit cards a majority of the time?   Do you float or bounce checks in order to put food on your table or pay monthly expenses such as electric or gas?   Have you borrowed money from a loan to payday or vehicle title loan source?   Do bill collectors call you at home or work?   Do you have multiple mortgages on you house?   Have you reached the credit limit on one or more of your credit cards?   Have you borrowed money to pay off your credit cards (including balance transfers) and accrued significant balances again?   Do you lose sleep at night because you worry how you are going to pay your bills?   Do you live from paycheck to paycheck with no source of funds for unexpected obligations?

Have you borrowed money from friends and/or relatives to meet obligations?   Do you pick and choose which accounts to pay because you can't afford to pay all of your obligations?   Has your credit line been stopped by one or more creditors?   Is your house in jeopardy of foreclosure?   Has your house been foreclosed or your car repossessed leaving you with a balance due on the property that you no longer own?   Do you stress over your finances?   Are you afraid or hesitant to answer your telephone because you don't want to be abused or belittled by a representative attempting to collect money from you?   Do you write checks hoping they don't clear your bank before your paycheck gets deposited?   Do you make excuses to yourself or those around you as to why you can't pay your bills?

If you answered "yes" to any of these questions, then you should consider calling our office for a FREE Initial Consultation. We will present you with the options that we have available to offer, as well as make suggestions of other services available if bankruptcy is not the correct course of action for your situation.

 

In your Initial Consultation, we will explain the different types of bankruptcies, explain the procedures for filing and explain the advantages and disadvantages involved so that you know what to expect.  We will be able to present you with a list of options along with a recommendation of which option Rick Flume thinks is best for your situation. We will review with you the alternatives to bankruptcy, such as loan consolidation, lawsuit defense, debt settlement plans or debt management plans. We will also evaluate whether or not any of those options are viable for you. We will determine the attorneys fees and court costs for each bankruptcy alternative after we review your situation. We will also show you how a payment plan for those fees are tailored to fit your budget.

We will offer

• Personal attention with an open line of communication to get your questions answered fast.
   
• A review of all options that may be used to solve your current financial situation.
   
• A review of your situation with suggestions that will help you avoid the pitfalls that may have been the cause to the problems you may be experiencing.
   
• A clear and concise budget that will allow you to achieve the goals that you set.
   
• We help stop your creditors from continuing to call you by giving you a creditor referral hotline to give to all of your creditors that are bothering you. In turn, they will contact us to verify that we represent you and to obtain the status of your expected bankruptcy case filing.

Call (210) 930-7000 to schedule a Free Initial Consultation.

Relief is just a phone call away!