Three Signs You Should File for Bankruptcy

The mere idea of filing for bankruptcy might make you feel nervous and worried about the future because you think the court will take away everything you owe. Most people who file keep their homes as well as their vehicles and personal property that they owe. You can show proof that you need your car for work or other commitments during the proceedings. If you aren’t sure if you should file, you can look at some simple signs that indicate filing for bankruptcy is a smart choice.

You Receive Harassing Phone Calls

New federal laws limit how often bill collectors can call you and even between what hours they can call. That doesn’t mean that all debt collectors follow these laws though. You might get calls from the moment you wake in the morning to the minute you climb into bed at night. Some companies now use software that makes it look like they are calling from other numbers like police stations or your loved ones’ homes too. Filing for bankruptcy can help you stop those calls.

Minimum Payments Keep Climbing

Even if you owe just a few thousand dollars and make the minimum payments each month, it can take decades before you pay off your debts. The less money you send in each month, the more the monthly payments will climb. If you keep adding to that debt, it will take even longer for you get free and clear. After working with a bankruptcy attorney St Louis residents just like you had the chance to start over again. Depending on the type of bankruptcy that you file, you may even walk away from the proceedings with little to no debt attached to your name.

You Owe More Than You Could Ever Pay Back

Before meeting with an attorney, sit down and make a list of all the debt that you owe, including child support payments you fell behind on and student loans you still owe. Compare the total amount you owe to the amount you bring home each month to determine how long it will take for you to pay off that debt. If you discover that you cannot pay off that debt before you die or within a reasonable amount of time, you might decide to file. Filing for bankruptcy with help from a local attorney can help you take control of your life.

4 Ways to Deal with Your Child’s Bullies

What do you do when your child is being bullied? Most parents have no qualms about getting physical with someone of a younger age if it means their kids are safe. However, this is a totally negative response, and there are far better ways to deal with your child’s bullies.

Keep Your Own Anger and Negative Thoughts in Check

Never, ever hit a child. Ever. While bullies seem deserving of negative response, you never know their backstory or what led them to behave in such a bad manner. Therefore, you should hold your anger and keep your negative thoughts and emotions in check. Violence and bad language are best avoided since it can make the situation worse for both your child and yourself. And keeping ahold of your negative impulses will save you from court approved anger management classes if you flew off the proverbial handle.

Teach Your Children to Be Kind in the Face of Rudeness

Teach your kids that violence and negative feelings will get them nowhere. “Kill them with kindness,” should definitely be an implemented action in the face of rude bullies. Encourage them to walk away, ignore their bullies, and avoid physical confrontations. In worst case scenarios where your child is being hit or assaulted on a regular basis, invest in self-defense classes that teach disarming techniques for bullies.

Talk to Others About a Prevention System

Bullies usually hide behind the belief that no one cares, no one is going to do anything about their bad behavior, and others are theirs to hurt and command. However, when you tell someone about a bully, you take away a bit of their power. Tell enough people, and the bullies are rendered harmless. So, when your child is being bullied, let others know. Talk to teachers, parents, schoolboards, whoever is in a position of authority so you can collaborate on a prevention system to avoid further incidents.

Tell Your Kids to Avoid a Bully and Make New Friends

Sometimes kids simply need to ignore their bullies, because in some cases, bullies simply want attention of any kind. They want a reaction. Take that way and they become powerless to do harm. Encourage your kiddo to make new friends with supportive, like-minded people. 9 times out of 10, there is safety and security in larger groups. A single bully would rather avoid targeting a group of people.

Bullies are a fact of life. Some people are simply cruel and hateful by nature, and that can get passed down to their children. Therefore, when your kiddo experiences a bully, you should follow along with the aforementioned coping techniques.