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Financial Disaster Debt Relief

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No one plans to have an emergency, and most often than not those who experience a true emergency are generally unprepared. Many people are just a slip away from a financial disaster. However under the right circumstances, one can have debt relief to recover or help prevent a serious financial setback.

Unfortunately the reality is that people are facing financial difficulty more and more every day. Traditionally a fair amount of people find themselves in fiscal distress after divorces, overspending, and medical bills. Financial disasters do not discriminate and can happen to anyone.

Here are a few step to help survive a financial emergency:

1. Emergency Fund - Creating and establishing an emergency fund can help the burden of heavy expenses, it is also important to "preserve it for the next unforeseen expense[s]."

2. Reducing Everyday Expenses - The most common way to save is by cutting back on daily expenses and choosing the more financially fit option therefore more income can be put towards an emergency.

3. Decrease Big Ticket Purchases - Cutting back on big purchases or setting aside cash for irregular expenses, such as a vacation, a home, and vehicle should be a part of any budget. Instead of financing these items, save up and pay it all at once therefore if something happens there's no stretching money between paychecks to pay bills.

4. Avoid Credit Cards - Borrowing money cannot always fix a financial emergency, and usually can make matters worse. "At some point [a person is] already out of money. How will [that person] repay the money [they] borrowed?"

Preparing and surviving a financial emergency can be the ultimate determining factor for debt relief. Understanding how to better personal finances can help any emergency life throws at you.

We at Timothy J. Sierra Attorney at Law would like to state that our blog posts and links, on our web page or any other social media outlet, to any other web pages are not intended for legal advice. We are not responsible for third party website information. If one is in need of legal advice please contact an attorney directly.

Source: Time | Money Magazine

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  • "When I first came to the decision to file for bankruptcy, I had no idea where to start. I began researching attorneys on the internet and came across the information for Tim Sierra. Since he specialized in bankruptcy and had a lot of experience......"
  • The process of going through bankruptcy could be very overwhelming but Tim made me feel at ease and I felt that my needs were being taken care of. I truly feel that he had my best interests in mind and the lines of communication were always open....
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  • I don't ever write reviews, and I had no prior relationship with Mr. Sierra. This review is simply being written as a service to others that Mr. Sierra is an excellent attorney and should be considered for your needs if you need one....
  • "I'm very happy to have been referred to Tim for my Chapter 7 filing. He was knowledgeable in his field and very responsive in replying to any questions or concerns I had. Tim was also very accommodating with meeting times..."
  • " I recently was in need of Mr. Sierra's services and I found him to be very understanding and helpful in my particular circumstance. He met with me and explained everything in full detail and also answered every question that I had....."
  • " I recommend Timothy Sierra a loyal and dependable lawyer. When you talk to him you feel that you are with a friend or a member of your family. Timothy is able to lead you in every step of the process. Good job Timothy."
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