Just when the financial experts said it was safe to call the economy “in recovery,” Treasury Secretary Timothy Geithner says many Americans will face hard times for a long time to come. Geithner reemphasized in an episode of "Meet the Press" that we remain in the midst of a very tough economy in which, for a lot of people, "it's going to feel very hard, harder than anything they've experienced in their lifetime now, for a long time to come." He also revealed that he believed President Barack Obama has rescued the United States from a second Great Depression and will continue the hard work of trying to strengthen the economy. Unfortunately, Geithner also predicted that it would be some time before many people actually feel like the country is recovering. This was not really news to millions of Americans facing underemployment and unemployment in this country as a discouraging June job reports revealed that the economy is producing far fewer jobs (18,000) than predicted (120,000) and is unable to keep up with population growth. As one reporter put it, “it dislodged optimism that recent expansion in manufacturing and a modest rise in housing prices might presage the return of vigorous economic growth. Instead, negative sentiments that have hovered over the economy for more than three years intensified.” "The signs of growth that we did have are deteriorating," said Heidi Shierholz, an economist at the Economic Policy Institute in Washington told The Huffington Post. "We are backsliding. The chances are that we go into another recession or we muddle along at technical growth, but actually making no improvements as far as Main Street goes. The chance of one of those things happening is extremely high." If you’re here, you may be considering your options after months, and maybe years of waiting and hoping and wishing and praying that things will soon get back to normal. Maybe you’ve lost your job. Maybe you’re close to losing your home. Maybe you’re even thinking you may lose it all. But you don’t file for bankruptcy. You wait, hope, and believe that economic times can’t be tough forever; and that you can make it through without the help of a bankruptcy attorney, court, trustee, and discharge. Well, maybe you’re right. Maybe times can’t be tough forever. But when the Treasury Chair says that things won’t return to pre-recessionary times for a long while—and for many unemployed workers, their jobs may never come back—it may be time to listen. It’s all happening because so many employers—hard hit just like you during the recession—are reluctant to resume hiring workers, even as they slowly recover from their losses. Smaller businesses, in particular, suffering from reduced credit options, will also avoid hiring workers anytime soon. State and local governments are also hurting, in some cases the worst, gutting a workforce of teachers, police officers and social workers in order to balance their beleaguered budgets during new fiscals years that began on July 1. So what will you do if your job never comes back? Or, even if it does, if it takes years to get back on your feet? What will happen to your home, your car, your bills? Become one of the millions of individuals and take things into your own hands to address your financial woes and take back your fiscal freedoms. Consider making a fresh start through bankruptcy. Knowing a qualified bankruptcy attorney can help any recession-weary debtor to conquer their creditors and face their fears, yielding the right kinds of support, information and insights—at a low cost— to get anyone on their way to a more viable and secure future. The bankruptcy attorneys at the Law Offices of John T. Orcutt offer a totally FREE debt consultation and now, more than ever, it’s time to take them up on their offer. Just call toll free to +1-919-646-2654, or during the off hours, you can make your own appointment right online at www.billsbills.com. Simply click on the yellow “FREE Consultation Now” button.