{"id":6364,"date":"2023-08-30T12:32:52","date_gmt":"2023-08-30T12:32:52","guid":{"rendered":"https:\/\/nwdrlf.com\/?p=6364"},"modified":"2023-08-31T12:36:18","modified_gmt":"2023-08-31T12:36:18","slug":"the-most-common-reasons-people-file-for-bankruptcy","status":"publish","type":"post","link":"https:\/\/nwdrlf.com\/the-most-common-reasons-people-file-for-bankruptcy\/","title":{"rendered":"The Most Common Reasons People File for Bankruptcy"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1227.2px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><h2><span class=\"ez-toc-section\" id=\"Navigating_Financial_Dilemma_What_Drives_Individuals_to_Declare_Bankruptcy\"><\/span><span style=\"font-weight: 400;\">Navigating Financial Dilemma: What Drives Individuals to Declare Bankruptcy<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<label for=\"ez-toc-cssicon-toggle-item-663bdc754950e\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-663bdc754950e\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/nwdrlf.com\/the-most-common-reasons-people-file-for-bankruptcy\/#Navigating_Financial_Dilemma_What_Drives_Individuals_to_Declare_Bankruptcy\" title=\"Navigating Financial Dilemma: What Drives Individuals to Declare Bankruptcy\">Navigating Financial Dilemma: What Drives Individuals to Declare Bankruptcy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/nwdrlf.com\/the-most-common-reasons-people-file-for-bankruptcy\/#What_are_Common_Reasons_People_File_for_Bankruptcy\" title=\"What are Common Reasons People File for Bankruptcy?\">What are Common Reasons People File for Bankruptcy?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/nwdrlf.com\/the-most-common-reasons-people-file-for-bankruptcy\/#Financial_Mismanagement\" title=\"Financial Mismanagement\">Financial Mismanagement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/nwdrlf.com\/the-most-common-reasons-people-file-for-bankruptcy\/#Credit_Problems\" title=\"Credit Problems\">Credit Problems<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/nwdrlf.com\/the-most-common-reasons-people-file-for-bankruptcy\/#Medical_Costs\" title=\"Medical Costs\">Medical Costs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/nwdrlf.com\/the-most-common-reasons-people-file-for-bankruptcy\/#Separation_or_Divorce\" title=\"Separation or Divorce\">Separation or Divorce<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/nwdrlf.com\/the-most-common-reasons-people-file-for-bankruptcy\/#Loss_of_Employment\" title=\"Loss of Employment\">Loss of Employment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/nwdrlf.com\/the-most-common-reasons-people-file-for-bankruptcy\/#Unexpected_Emergencies\" title=\"Unexpected Emergencies\">Unexpected Emergencies<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/nwdrlf.com\/the-most-common-reasons-people-file-for-bankruptcy\/#How_To_Avoid_Bankruptcy\" title=\"How To Avoid Bankruptcy?\">How To Avoid Bankruptcy?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/nwdrlf.com\/the-most-common-reasons-people-file-for-bankruptcy\/#Create_a_Budget\" title=\"Create a Budget\">Create a Budget<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/nwdrlf.com\/the-most-common-reasons-people-file-for-bankruptcy\/#Cut_Unnecessary_Expenses\" title=\"Cut Unnecessary Expenses\">Cut Unnecessary Expenses<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/nwdrlf.com\/the-most-common-reasons-people-file-for-bankruptcy\/#Negotiate_with_Creditors\" title=\"Negotiate with Creditors\">Negotiate with Creditors<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/nwdrlf.com\/the-most-common-reasons-people-file-for-bankruptcy\/#Debt_Consolidation\" title=\"Debt Consolidation\">Debt Consolidation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/nwdrlf.com\/the-most-common-reasons-people-file-for-bankruptcy\/#Credit_Counseling\" title=\"Credit Counseling\">Credit Counseling<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/nwdrlf.com\/the-most-common-reasons-people-file-for-bankruptcy\/#Emergency_Fund\" title=\"Emergency Fund\">Emergency Fund<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/nwdrlf.com\/the-most-common-reasons-people-file-for-bankruptcy\/#Prioritize_Debts\" title=\"Prioritize Debts\">Prioritize Debts<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/nwdrlf.com\/the-most-common-reasons-people-file-for-bankruptcy\/#Know_The_Common_Reasons_For_Bankruptcy_Call_Our_Portland_Bankruptcy_Attorney_Now\" title=\"Know The Common Reasons For Bankruptcy, Call Our Portland Bankruptcy Attorney Now!\">Know The Common Reasons For Bankruptcy, Call Our Portland Bankruptcy Attorney Now!<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><span style=\"font-weight: 400;\">Nowadays, we do feel that the cost of living is above what we earn, so we find ways to keep up with our needs. Some of us consider filing bankruptcy to not just keep up with our needs but also to give ourselves a chance to restart financially. In this post, we will discuss what are the common reasons for bankruptcy.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dealing with financial difficulty alone, which pushes us to consider filing for bankruptcy can be manageable with oneself. Still, in reality, bankruptcy law is a vast and deep topic in which individuals planning to file bankruptcy need to be made aware and updated. This is where <\/span><a href=\"https:\/\/nwdrlf.com\/\"><span style=\"font-weight: 400;\">Oregon bankruptcy lawyers<\/span><\/a><span style=\"font-weight: 400;\"> pop into the picture.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At Northwest Debt Relief Law Firm, we understand that filing bankruptcy can be overwhelming. Our Portland bankruptcy attorneys are here to guide you through the whole bankruptcy process and help you get a fresh start. Contact us today, we offer free debt solution consultations.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_Common_Reasons_People_File_for_Bankruptcy\"><\/span><b>What are Common Reasons People File for Bankruptcy?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Although bankruptcy is frequently perceived negatively, it can actually be a vital financial tool for people who are dealing with enormous hardships. People frequently declare <\/span><b>bankruptcy as a preemptive measure<\/b><span style=\"font-weight: 400;\"> to start over and reconstruct their lives. The opportunity to manage debts, lessen the weight of unmanageable financial responsibilities, and regain control over one&#8217;s financial destiny are all provided through this approach.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With the ability to face financial hardship head-on and pave the path for a more secure and bright future, declaring bankruptcy can help those who are struggling with unanticipated expenses such as medical bills, unemployment, or other unforeseen events.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Financial_Mismanagement\"><\/span><b>Financial Mismanagement<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The leading cause of bankruptcy is <\/span><b>excessive expenditure and credit utilization<\/b><span style=\"font-weight: 400;\">. Although excessive spending or improper credit card use may have contributed to your debt problem initially, we frequently find that one of the aforementioned factors is what pushes people over the edge.\u00a0 An unforeseen incident, such as an illness, job loss, or divorce, can push an already precarious scenario to the breaking point when you have a lot of debt and insufficient funds to fall back on.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Making a budget can help you keep track of your income and expenses and ensure that you spend no more than you get. This is the greatest strategy to prevent financial mismanagement. Additionally, it&#8217;s critical to create a savings strategy for expenses that can result in further debt.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Credit_Problems\"><\/span><b>Credit Problems<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Many people spend money they don&#8217;t have since credit cards and installment loans are so widely available. Some people can find themselves unable to pay even the minimum amount due on these debts if this activity spirals out of control. While a debt-consolidation plan or home equity loan may assist in managing these bills in the short term, many people who select these options end up declaring bankruptcy at some point.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Medical_Costs\"><\/span><b>Medical Costs<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Anyone, at any time, can suffer from a serious sickness or accident, which can cost them hundreds of thousands of dollars in <\/span><b>medical expenses<\/b><span style=\"font-weight: 400;\">. The only remaining course of action for dealing with these debts may be bankruptcy once savings, student money, retirement accounts, and home equity have been depleted.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Separation_or_Divorce\"><\/span><b>Separation or Divorce<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Divorce can be an incredibly expensive process from beginning to end. Before adding the costs of alimony and child support, as well as the added expense of maintaining two separate houses, legal fees can be costly for both parties. Wage garnishment may occur if a person is unable (or unwilling) to pay alimony or child support, making it even less likely that they will be able to pay off all of their debts. The recipient may potentially find themselves in danger financially if one side refuses to make these payments.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Loss_of_Employment\"><\/span><b>Loss of Employment<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Financially, it can be terrible to lose a job. The majority of bankruptcy filers who have lost their jobs did not have these safety nets in place, although some may have an emergency fund on hand or get a severance payout.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">An unemployed person&#8217;s meager finances are depleted by the loss of insurance protection and the price of individual insurance. The job seeker could become insolvent if they have a prolonged term of unemployment due to falling behind on their obligations.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Unexpected_Emergencies\"><\/span><b>Unexpected Emergencies<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Lack of insurance and emergency funds can push people into bankruptcy in the <\/span><b>event of natural catastrophes<\/b><span style=\"font-weight: 400;\"> like tornadoes, hurricanes, or earthquakes, as well as in cases of property loss due to theft. Many people are unaware that certain natural calamities, like earthquakes, necessitate the purchase of specific insurance in order to recover losses. Uninsured people may have to pay for temporary housing, food, and the replacement of valuables that were lost in the disaster. In particular, people who lose their clothes can discover that they are unable to dress professionally for work, which could result in a possible loss of income.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are still other reasons why people file for bankruptcy because we encounter situations in different ways. Not knowing bankruptcy law is something we do not need to be afraid of. <\/span><a href=\"https:\/\/nwdrlf.com\/\"><span style=\"font-weight: 400;\">Oregon bankruptcy lawyers<\/span><\/a><span style=\"font-weight: 400;\"> like Northwest Debt Relief Law Firm, are reliable and skilled to guide and help you deal with bankruptcy.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_To_Avoid_Bankruptcy\"><\/span><b>How To Avoid Bankruptcy?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Avoiding bankruptcy has become a significant objective for both individuals and organizations in the current difficult financial landscape. Although the prospect of bankruptcy can be frightening, it is possible to avoid this difficult situation with careful planning, wise judgment, and prudent financial management. People can protect their financial stability and work toward a more secure and debt-free future by taking responsible actions and taking a proactive approach to managing their finances.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Create_a_Budget\"><\/span><b>Create a Budget<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Create a thorough budget that details all of your costs and income. By doing so, you&#8217;ll be able to see where your money is going and find places where you may make savings.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cut_Unnecessary_Expenses\"><\/span><b>Cut Unnecessary Expenses<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Examine your spending and note any unnecessary expenses you may cut or eliminate. This can entail cutting back on eating out, canceling unwanted subscriptions, or figuring out more affordable ways to satisfy your demands.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Negotiate_with_Creditors\"><\/span><b>Negotiate with Creditors<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Contact your creditors and let them know you&#8217;re having trouble paying your debts. They might be open to bargaining for reduced interest rates, longer payment terms, or even partial debt forgiveness.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Debt_Consolidation\"><\/span><b>Debt Consolidation<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Take into account combining all of your high-interest loans into a single, lower-interest loan. By doing so, you can consolidate your debt and pay less interest overall.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Credit_Counseling\"><\/span><b>Credit Counseling<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Sign up for credit counseling courses provided by respected nonprofits. These programs offer financial knowledge and can assist you in creating a debt repayment strategy.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Emergency_Fund\"><\/span><b>Emergency Fund<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Create an emergency fund to pay for unforeseen costs. Having a reserve of money can prevent you from turning to credit cards or loans when things go rough.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Prioritize_Debts\"><\/span><b>Prioritize Debts<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you have several debts, order them according to terms and interest rates. Make minimum payments on other obligations while concentrating on paying off high-interest loans first.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Know_The_Common_Reasons_For_Bankruptcy_Call_Our_Portland_Bankruptcy_Attorney_Now\"><\/span><span style=\"font-weight: 400;\">Know The Common Reasons For Bankruptcy, Call Our Portland Bankruptcy Attorney Now!<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Dealing with financial issues and clinging to the idea of filing bankruptcy is something not uncommon as we are all facing different struggles as well. However, dealing with bankruptcy without full knowledge about what you are entering is not advisable as bankruptcy itself in the legal world is a vast and deep topic. This is where our <\/span><a href=\"https:\/\/nwdrlf.com\/\"><span style=\"font-weight: 400;\">Oregon bankruptcy lawyers<\/span><\/a><span style=\"font-weight: 400;\"> come into the picture, we will guide you from the beginning until the end of the bankruptcy process.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Our legal team at Northwest Debt Relief Law Firm is reliable and knowledgeable about bankruptcy law; we will help you understand the common reasons for bankruptcy. If you\u2019re dealing with unmanageable debt and not sure what to do, let our Portland bankruptcy attorneys help you.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We provide free debt solution consultations. Our Oregon bankruptcy lawyers can also help you with concerns about <\/span><a href=\"https:\/\/nwdrlf.com\/re-building-credit-after-bankruptcy\/\"><span style=\"font-weight: 400;\">After Bankruptcy<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/nwdrlf.com\/chapter-13-bankruptcy-in-oregon\/chapter-13-repaying-debts\/\"><span style=\"font-weight: 400;\">Repaying Debts<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/nwdrlf.com\/debts-discharged-chapter-13-bankruptcy\/\"><span style=\"font-weight: 400;\">Debt Discharge<\/span><\/a><span style=\"font-weight: 400;\">. 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