Meet Joe A. Worker,

A hard worker living the "American Dream".

Joe gets appendicitis, it’s not caught early enough and

Joe’s appendix ruptured. Recovery takes a couple weeks.

Joe is laid off because he is unable to work while

recovering from his ruptured appendix.

Joe health recovers, but he has trouble finding work.

It takes the average worker in the US 9 months to find a new job.

Joe tries to keep up on his bills, paying some with his credit cards, and others with unemployment,The $28,000

appendix medical bill is the largest and most expensive.

But, eventually jobless, Joe falls behind on his bills.

After 9 months of searching, Joe finds a new job making

nearly as much as before his emergency surgery.

However, creditors keep calling and harassing Joe,

They even call him at work. He is able to pay for his car,

mortgage, student loans, and living expenses, but can’t catch up.

Joe’s creditors find out Joe has a new job and seek default judgments against him.

They win, and begin taking 25% of his paycheck through garnishment.

Joe receives a foreclosure notice

in the mail for missing 3 payments despite having a job.

Student loans send Joe a Notice of default.

Joe receives a threat of repossession if he doesn't become current on his auto loan. Without his car, he would be unable to get to work and could lose his job.

Joe is catching up but the bank is requiring him to Pay All Debts In Full or

they will initiate foreclosure and he might lose his house.

Instead of paying over $40,000 in unsecured debt,

including a $28,000 medical bills, $12,000 in credit cards…

Joe hires a bankruptcy attorney for $1200.

Joe talks to a

Bankruptcy Lawyer

and learns that he can

stop foreclosure

while keeping his

car, and catching up

on his student loans

the rest of his debt

would be discharged

and forgiven.

Joe files bankruptcy within a couple of weeks of meeting the attorney,

discharging his unsecured medical debt and credit card debt.

Joe catches up on his mortgage, car, and student loan payments during the automatic stay period. Allowing him to keep his house and car.

After this ordeal Joe finally get’s heath insurance with his

new boss and is able to move on with his life.

Good Luck Joe!