Submitted by John T. Orcutt on Mon, 12/19/2022 - 1:20pm
Out of control grocery prices gives you 2 reasons to file bankruptcy.
"Too many bills to pay" has always been a great justification for filing bankruptcy.
And why not? Filing bankruptcy eliminates a ton of debt. Credit card debt, medical bills, personal loans, vehicle repo and foreclosure deficiencies, etc.
But now, unlike any time in our lives, you have a second reason to file bankruptcy: OUT OF CONTROL GROCERY PRICES.
Why? Because if you use bankruptcy to eliminate debt, you will have less bills to pay, and less bills to pay means you with more money for groceries.
That's why we say: "We kill off bills so you can buy groceries".
Better yet, the minute you make the decision to file bankruptcy...you will IMMEDIATELY...have more money for groceries.
As you know all too well, "inflation" has reduced the purchasing power of every dollar. In just 2 years, your dollars now only buys 1/2 of what they used to buy..
And that means that you have to pay twice as much for things, like groceries.
And, there is no end in sight.
Whether or not you believe all this "inflation" was caused by the Biden administration…TAG…you’re it.
You are the one stuck dealing with it.
And, especially inflation’s effect on grocery prices.
The government is telling us that inflation is only about 12%.
But, that’s not true, and you know it.
The out of control cost of groceries is right there you in your face, every time you go to the grocery store.
In most cases, your grocery bill has likely doubled.
And if it hasn’t, it’s because you are already making the hard choices. The hard choices on what to buy…and, more importantly…what NOT to buy.
It has to be excruciating to grocery shop with you kids in hand, knowing you have to deny them all the goodies they love.
Even worse, there is no end in sight. Sure, the government is trying to curb inflation, but all you have to do is look at the grocery prices to know that’s not working.
And, the truth is, you are working as hard as ever, and with skyrocketing grocery costs, we are all screwed.
And, the worst thing about it is that it’s not your fault.
The world has turned upside down.
The only question is: “What are you going to do about it ?"
The way I see it, you have 5 choices:
(1) Lower your grocery cost.
(2) Run up your credit cards so you can keep buying what you want.
(3) Earn more money.
(4) Rob a bank.
(5) File bankruptcy.
(1) Lower your grocery cost.
On the internet, there are lot of articles on how to save on groceries.
You can cut back on cookies and chips and all those things your kids love. You can buy the cheaper cuts of meat, but they’re cheaper for a reason. You have to compromise on taste.
Beans and rice instead of pre-packaged meals.
And the list of things you can do to cut back on the cost of groceries goes on.
But, there is only so much you can do.
Who would ever have thought this would happen to us. Like the Covid years weren’t bad enough.
Likely, at this point, you have done everything you can do.
And, as you have found out, it’s all hard work, hard work on top of everything you have already gone through. And about as much fun as things like cleaning hair out of the shower drain.
Any which way, your family will have to do with less…UNLESS you can get your hands on more money.
(2) Run up your credit cards to keep buying what you want.
One of the ways to get your hands on more money is to run up your credit cards.
Good, hard working people have done this forever. But, at best, it is a temporary, short term solution. The more debt you run up, the higher your payments, and the less money you have for groceries next month and the month after.
And, to make things worse, you will quickly exhaust your spending limits. And, then, even if you had good credit, it will be gone.
(3) Earn more money.
You can ask your employer to pay you more. Good luck with that. Like with you, your employer’s costs have likely doubled and there is only so much more your employer can charge before being priced out of the available market.
For lack of a better term, it’s a “nightmare” for everyone. Inflation does not care who you are. It gets at us all. No one gets spared.
Another way to get more money is to work more hours or get a second job. And, this assumes there is a chance to do so, that you have the energy to do so, and that you have the stamina to continue to do so.
What a horrible alternative.
If you are like most people, you are already working your fingers to the bone, and taking on extra hours or a second job only takes that much more time away from your family.
And even if this is workable, it puts you on the path to total “burnout”, like you aren’t already on that path.
(4) Rob a bank.
Just kidding, but the truth is that everybody, sometime in their life, gets so desperate that “robbing a bank” at least crosses their mind. That’s only natural.
Hopefully, you are one of the smart ones that realizes that ideas like this need to stay in your head. Nothing good ever comes from taking what doesn’t belong to you.
Let’s move on.
(5) THE BANKRUPTCY SOLUTION: Get rid of some debt, so you can afford more groceries.
Here’s the idea: “Less bills to pay = More money for groceries”.
We all know that bills don’t just go away. Right?
Wrong. . The one exception is if you file bankruptcy.
“What?”, you say. Let me explain.
The Federal Bankruptcy laws were created to, one time every 8 years (if needed), bail good, honest, hard-working folks, just like you, out of debt.
When you file bankruptcy, certain debts get eliminated, and along with it, the corresponding bills.
And debts “eliminated” are gone, for GOOD, FINALLY and FOREVER, as if they never existed. This, you need to understand or you will never fully understand how bankruptcy works.
You might ask: “How can this be?” The answer is that this is federal law, and that’s just how it works.
And, debts “eliminated”, having been eliminated, never have to be paid back.
Now…think of how much more money you would have in your pocket every month, if you had a whole lot less bills to pay.
That’s money that can now be used to buy things like more groceries.
Do you need more money in your pocket?
If so, you need to at least call and talk to us.
Are you sick of worrying about how you are going to put food on the table?
Call us and find out how much less debt you can have and, in turn, how much more money you would have...IMMMEDIATELY…the minute you decide to file bankruptcy.
The consultation and the advice are FREE.
And, there is no need to come in. You can get started, get the answers you need, and do it all, right over the phone.
In North Carolina, we, the Law Offices of John T. Orcutt, would love to be the bankruptcy attorney you call. If you find yourself struggling financially, flooded by inflation, hounded by debt collectors and looking for a permanent debt-relief solution, contact the law offices of John T. Orcutt for a free consultation on getting you out of debt for good.
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