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Personal bankruptcy

There are usually warning signs as a precursor of financial problems. You should watch for these signs, so you can catch the financial problems while they are small. If they become too large your only recourse may be personal bankruptcy. Sometimes debt situations are beyond our control, such as divorce, the death of a spouse, health problems, or a change in household cash flow. To avoid having to file for personal bankruptcy, here are the first signs of financial danger that you should look for:

Your credit card account always have no available funds
You’re using cash advances from a personal credit card to get money to pay your bills
You’ve missed more than 2-3 loan payments due to short or no cash flow
You’ve missed a mortgage payment or even more than one
Collection agents are starting to contact you about your debts and funds in arrears
Your bank account or credit union account are always in over draft even on pay day
Creditors are considering legal action against you to recover funds
You’re getting a fast cash advance from a payday loan company to pay your debt

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	Michelle Singletary \| Payday loan rules would shield Soci... Over the years, I've met too many people who were stuck in a hellish payday loan cycle, rolling one loan into another until the fees and outstanding balance crushed them.
	Payday loan outlets dwindling This payday loan outlet in Shadle Center is one of six Advance America Cash Advance Centers Inc. stores still operating here. Staff photo by Mike McLean
	Changes to payday loan rules needed Over the years, I've met too many people who were stuck in a hellish payday loan cycle, rolling

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What you can do to stop a personal bankruptcy:

If you are having problems paying your bills, here are some alternatives before you consider personal bankruptcy:

Create a realistic financial budget and stick to it today
Use your financial budget to determine if you can reduce your personal expenses each month
Consider a Debt Consolidation loan from a financial institution or credit union
Consider a Debt Management Plan - Credit Counselling
Consider Consumer Proposal - Debt Consolidation

What is a Debt Consolidation loan?

Debt Consolidation is a loan that allows you to repay many other debts. (Credit cards, payday loans and small unsecured loans/cash advances.) This is a personal loan from a bank, credit union or other financial institution.
The advantages of a debt consolidation loan are:

You have one monthly debt payment instead of numerous monthly payments, freeing up your cash flow.
Your debt consolidation loan will probably have a lower interest rate than the interest rates you are paying on your other smaller loans which will bring you substantial savings.
Your financial institution, bank or credit union, may convince your creditors to reduce the amount of original debt owing to them, as you are paying early