Thanksgiving Day is a national holiday celebrated as a day of giving thanks for the many good things that we have in our lives. As a Christian, I call these good things blessings. Although it may sound strange to some, I am thankful to be a consumer bankruptcy attorney. Many of my friends and family members think that my work must be sad as I deal with people whom are unable to pay their bills as they become due. They assume that my clients are deadbeats or so down and out that they cannot possibly be pleasant to be around. To the contrary, most of my clients are good hard working people who have had something unfortunate happen to them. More often than not, they have been injured or ill and are overwhelmed by medical debt. Sometimes they have been through a divorce or lost a job. The fact is that life brings unexpected events that can very quickly turn a person that is doing well financially into one that is not. We Christians often say “There but for the grace of God, go I”.
So why am I thankful? Because I have the opportunity to help my clients turn their lives around. By the time they come to see me, they may have experienced fear and anxiety that can be unbearable. Money problems lead to marital and other serious problems. I have had quite a few prospective clients referred to me by the pastor at my church that does marital counseling. My clients come into my office with their marriages on the rocks. Their wages are sometimes being garnished. Perhaps they face an imminent foreclosure or repossession. The bankruptcy laws allow me to stop all of these things almost instantly. I often say that there is no other type attorney that can do more good for their clients more quickly than I can. When I file a bankruptcy petition for my client, the court immediately enters an order called an “automatic stay”. If a creditor continues virtually any collection activity with knowledge that a bankruptcy has been filed, it may be subject to sanctions by the bankruptcy judge. As you might imagine, my bankruptcy clients are pretty happy when I make one of their abusive creditors pay them money!
Once the bankruptcy is filed, a tremendous burden is taken away from my clients. They no longer have the weight of the world on their shoulders. The bankruptcy may give them a chance to save their home, car and most importantly – their marriage. I simply can’t say it often enough, if you are unable to pay your bills and the stress is becoming overwhelming you owe it to yourself to schedule a consultation with an experienced bankruptcy attorney.
So I am thankful to be a bankruptcy attorney. I am thankful to work with a staff that is truly concerned about helping our clients. I am thankful to be able to help people overcome stress and anxiety caused by money problems.
Happy Thanksgiving to all!
Brad Botes is a principal of each of the Bond & Botes Law Offices throughout Alabama, Mississippi, and Tennessee. He holds a Bachelor of Science from the University of North Alabama, and a Juris Doctorate from Cumberland School of Law at Samford University. He and his team of bankruptcy lawyers have spent over 30 years guiding people through financial challenges. Read his full bio here.