What are the Signs You are in Financial Distress?

  • Using your credit cards to pay for utilities bills
  • Receiving calls from debt collectors
  • Borrowing money from payday loan companies
  • Borrowing money to pay your monthly bills
  • Withdrawing money or taking loans from your retirement account
  • Transferring credit card balances from one card to another
  • Being served with a lawsuit or foreclosure

Most Financial Problems are Due To:

  • Loss of job or cut in pay
  • Divorce
  • Medical expenses
  • Retirement
  • Increase in interest rate
  • Death of family member
  • Disability
Do not ignore your financial problems. Financial problems can lead to divorce, depression, and lack of self-respect. Bankruptcy can relieve your financial problems and give you a “fresh start.”


Southeast Texas Office

2000 Hwy 69 North
Nederland, Texas 77627
Phone: 409-727-0073
Toll Free: 1-800-547-0073
Fax: 409-724-7739
Mailing Address:
P.O. Box 1347
Nederland, Texas 77627

North Texas Office

660 North Central Expressway, Suite 101
Plano, Texas 75074
Phone: 972-422-9377
Toll Free: 1-800-982-3719
Fax: 972-578-9707

East Texas Office

415 South First Street, Suite 405
Lufkin, Texas 75901
Toll Free: 1-800-547-0073
(By Appointment Only)