Should I File Bankruptcy During the Holiday Season?

The holidays are supposed to be a time of joy, but for many individuals and families in Minnesota, they bring a wave of financial stress that overshadows the season. If you’re feeling overwhelmed by debt, mounting bills, or relentless creditor calls, you’re not alone and you don’t need to carry that burden into the new year. At LifeBack Law Firm, we help clients get relief from their creditors every day, and the holiday season is often one of the smartest times to take action.

Many people hesitate to even consider bankruptcy in December, believing they should wait until after the holidays out of concern it will complicate their celebrations. In reality, filing now can give you immediate protection. Once a bankruptcy case is filed, the automatic stay goes into effect, stopping creditor harassment, wage garnishment, and most collection efforts. That means you can focus on your family, your wellbeing, and a fresh start rather than financial fear. There is one Zoom hearing that you would attend 30 days after the case is filed, but these hearings are around 5-10 minutes in duration. 

Filing for bankruptcy during the holidays can also position you for a stronger financial beginning in the new year. Bankruptcy can become a strategic tool rather than a last resort. Our team guides you through every step, making the process smoother and less stressful during an already emotional time of year.

We understand that taking the first step is hard, especially in a season centered on giving. But sometimes the most important gift you can give yourself and your family is the relief that comes from reclaiming control of your financial future.

CALL NOW FOR A FREE STRATEGY SESSION FROM AN MN BANKRUPTCY LAWYER AT LIFEBACK LAW FIRM

If you’re ready to explore your options, reach out to Minnesota’s kindest and most helpful bankruptcy law firm at www.lifebacklaw.com. Schedule your free consultation today and start the journey to financial freedom. You will be so happy you did!