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In the past, the economy has generally been cyclical: a period of prosperity followed by a period of recession followed by a period of prosperity, and so on.  But now, “[fusion_builder_container hundred_percent=”yes” overflow=”visible”][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][t]he most likely scenario is that we are stuck in low gear.”  The economy may never return to those heady days of the early 2000s.

What does that mean for the debt-ridden consumer, as many of us are?  It means that if you are waiting for a big bonus check or a significant pay raise to help you pay down your debt, you may be in for a very long wait.  Meanwhile, the moneylenders will keep calling and keep sending bills and keep suing you for nonpayment.  Your credit score will be a few points lower every time you check it.

You basically have two options: hope things get better or make things get better.

Bankruptcy is a way to make things better.  Although it may seem like waving the white flag and giving up on your financial situation, bankruptcy has been a fresh start for people as diverse as Cindy Lauper and Spain’s King Phillip II (who declared bankruptcy four times).

Is anything preventing you from your financial fresh start?  If the answer is no, call the law office of Henley and Henley for your free consultation.[/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]