We note on a relevant page of our website at the law firm of Robertson, Oswalt, Nony & Associates that many individuals and families in Arkansas and across the United States procrastinate in reaching out for proven legal assistance regarding material debt-related problems “because they fear the worst.”

As a law firm with a demonstrated record of advocacy on behalf of clients facing financial challenges, we acknowledge that fear while at the same time seeking to reassure those concerned that many of the deep fears harbored in connection with money woes are unwarranted.

Put another way: Help is available, and consultation with an experienced bankruptcy attorney is a rational first step toward addressing financial challenges and thereafter taking purposeful steps to resolve them.

It bears noting that bankruptcy is far from being a singular or shameful process. Indeed, seeking relief from an umanageable debt load is a flatly necessary undertaking, with the bankruptcy process being a formal vehicle for doing so that has been long recognized under American law. In fact, bankruptcy relief is explicitly alluded to in the U.S. Constitution.

People face often insuperable debt-related challenges for a number of reasons, with it very seldom being the case that mere financial disregard or recklessness with money has contributed fundamentally to current problems.

Indeed, even a casual look at a newspaper on virtually any day quickly reveals the extent to which many millions of Americans become overburdened by unexpected medical costs, which can be breathtakingly exorbitant. Individuals routinely lose jobs or are laid off, encounter severe difficulties owing to divorce or other dislocations, and suffer from various other types of debt challenges.

Seeking a remedy through the bankruptcy process is a time-honored strategy for addressing and resolving material debt issues that has been successfully invoked by many millions of Americans.

Daunting levels of debt don’t have to be passively and helplessly endured. Contacting a proven bankruptcy attorney can be a positive first step toward regaining financial traction and obtaining a fresh start en route to financial freedom.