1. Regaining Financial Health
Do unpaidbillscause you to lose sleep? Are you being
houndedand harassed by creditors? If the answer is yes
to these questions, don’t fret too much because you are
not alone.Many people nowadaysare having trouble
paying their debts.
A person who is unableto pay his debts as they fall due
for a number of reasons may be declared bankrupt by
himself or by his creditors. You are in financialtrouble if:
1. You are living beyond your means or spending more
than what you are earning.
2. If you are relying on credit for your daily needs.
3. If you are having trouble stretching your paycheck to
cover monthly bills.
Financialtroubles should not make you lose hope. There
are many solutionsto regain financialhealth. All you
have to do is act to cure the defect. First off is to
consider availableoptions.
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2. 1. Careful budgeting won’t come amiss.
2. Create a planof possible expenses according to
priority.
3. Reduce unnecessary spending such as vacations,
expensive entertainmentand impulse buying. Instead of
dinnersin expensive restaurant try a barbecue. Aside
from reducing the expenses, this is an opportunityfor
the family to bond. Clippingcoupons, purchasing off the
rack clothes, taking advantage of sales are several
techniques to scrimp and save.
4. Living like broke college students (at least until the
crises is over)would greatly help reduce expenses.
5. Try not to use the credit card as a ticket to unlimited
spending spree. Remember that these purchases will
have to be paid later.
6. Time deposit saving with low interest rates can be
withdrawn and used to pay high Interest loans.
7. Selling assets such as cars and vacationhouses will
not only realize cash but will reduce maintaining
expenses.
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3. The government gives assistance in the form of
unemploymentcompensation, food stamps and medical
aid. The community groups and the church are also
sources of additional assistance.
Enlisting the help of credit counseling agencies would
greatly address this dilemma. These agencies can be
found all over the country. They offer free services or
sometimes at a very low cost to individualswith
financialproblems. Credit counselors have the prime
task of giving counseling to individualsseeking help.
They will act as a “go between” the creditor and the
debtor by negotiatingpayment schedules; restructure
your financialsituationby formulating cost effective
budgets and give you optionsto address your financial
troubles. A word of cautionthough, some credit
counseling agencies would worsen your financial
situation.Be wary if you are asked to give large amount
of money.
If all else fail, the last option to take is filing for
bankruptcy. Bankruptcy is a way by which an individual
in serious financialtrouble can have a fresh start…a new
slate. But of course along with the peace of mind comes
several draw backs. Bankruptcy would result to a ruined

4. financialhistory.
Bankruptcy record would stay for at least 10 years.
Business dealingsin the future will be jeopardized since
potentialpartners would think twice before dealingwith
an individual consideredbeing a bad credit risk. Since
bankruptcy orders are published,the society will be
aware of your misfortunes. A financiallycrippled
individualshouldconsider if bankruptcy is a wise option,
if the peace of mind that would result far outweighs the
shame of being branded a financialrisk.
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