I was amazed when my debit card was declined for payment on groceries. Beyond that, I was extremely embarrassed as well. I quickly went home and called the bank, and that is when I found out that the Internal Revenue Service had put a freeze on my bank account. I knew that they could play hardball with people, but I thought that they mainly went for the ones who owed a lot of money. I was scared because I had no idea what to do. I ended up contacting a Sacramento bankruptcy attorney because I didn’t know where else to turn.
If it was just the IRS, I would have been able to figure something out on my own probably. However, I was late on every single that I owed money on, including my house, my car, my credit card bills, my student loans, and yes, the IRS. It was not that I am a slacker, because I am anything but that. I was working two jobs and looking for a third that I could do on weekends. I wanted to pay my bills, but I was having a hard time doing that since I had lost a really great job that paid a lot more than my two jobs combined.
I am of the firm belief that you make lemonade when life hands you a bunch of lemons, but this was the last straw. I knew I could no longer do it on my own, and I was happy to find a law firm that was able to help me with getting back on track. Rather than file bankruptcy that would follow me for years, I was able to enter into repayment plans with all of my creditors thanks to the help of this law firm. That was the breathing space I needed, and I know that I am on the right track now!