Ontario, Ca (PRWEB) December 19, 2012
Wadhwani & Shanfeld, located in Ontario, California, is available 24 hours a day, 7 days a week, 365 days a year, to answer questions from people needing bankruptcy services. Understanding the need of the current economic climate, Raj Wadhwani and Greg Shanfeld work to make the process as stress free as possible.
As unemployment began to climb in 2008, many people found themselves in unknown territory. Getting up, going to work, collecting a paycheck, paying the mortgage was a routine cycle. When that cycle ceased to be routine, a crisis developed. Things people took for granted were no longer reliable options. Businesses were closing or cutting back. People were being laid off. Job security was no longer a reality. It was not uncommon for someone who worked twenty odd years at a company, to be forced to take multiple part time jobs without benefits to replace a full time job with benefits, for less pay. As companies downsized, so did individuals. Homeowners became apartment dwellers. Apartment dwellers moved in with extended families. Homeless shelters became very busy. Personal items were sold to keep families afloat. Times were extreme, and simply cutting back did not help once someone had to decide to pay the mortgage or pay utilities or feed the family. The word bankruptcy, a foreign concept to most was becoming more and more a reality to many as people came to grips with the need to reinvent their lifestyles. Facing financial hardship and dwindling assets, day to day living became a struggle for families trying to keep food on the table. Compounding matters was the fact that most people only addressed the issues of foreclosure notices and bill collectors as a last resort, holding out until they believed things would get better. The aftermath of the initial blow to the economy is evident. Unemployment is still elevated, and there are people in various stages of recovery. Businesses are beginning to hire but the process is more selective and highly competitive.
Besides round the clock availability Wadwani & Shanfeld fosters education to instruct people on the difference between bankruptcy and non-bankruptcy solutions to solve financial health issues. This knowledge is a necessary survival tool needed to regain control of a life plan. Chapters 11, Chapter 13, and Debt Settlement are key instruments to help people get back on track. Having a full understanding of the situation and one's personal rights as a consumer, is the first line of defense against the intimating process of once again reaching financial stability.
Visit Wadhwani & Shanfeld's website to read more: wsbankruptcyattorneys.com/ontario-bankruptcy-attorneys