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A Credit Counselor Versus a Bankruptcy Attorney


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A Credit Counselor Versus a Bankruptcy Attorney

When I was drowning in debt, I knew that soon enough I would need to file for bankruptcy. I simply didn't make enough to cover the amount of debt I had accumulated. However, I was not sure whether I should work with a credit counselor or a bankruptcy attorney. I did a lot of research on the subject and found that there are pros and cons to working with both a credit counselor and a bankruptcy attorney, and that you also had the option of working with both at the same time. Ultimately, I decided to hire the attorney, but that may not be the best option for everyone. I created this website to help you understand what a credit counselor is and what they do, what a bankruptcy attorney is and what they do and how each can help you if you are drowning in debt.

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4 Reasons a Woman Should Leave an Abusive Partner

If you are a woman seeking a divorce due to domestic violence within your home, you are not alone. Domestic violence is an ongoing problem in the United States. According to national statistics, a woman is beaten or assaulted every nine seconds. In addition, one out of every three women have been a victim of physical violence from an intimate partner at some point. On an average day, over 20,000 phone calls are received by domestic violence hotlines in the United States. Still, you don't have to remain a negative statistic. Here are a few reasons to remove yourself from a relationship in which you are a victim of abuse:

Your children may be witnessing the abuse.

One out of 15 children are exposed to an act of violence from one intimate partner against the other each year. Of those children, 90 percent witness the violence first hand. The long-term effects of witnessing violent acts can include emotional unrest, insecurity, and tendency toward violence. As a parent, your child's well-being should be paramount. You should remove your child and yourself from any situation that threatens your safety.

You could be killed.

Of all murder-suicides that involve an intimate partner, 94 percent of the victims are female. In addition, if a gun is present during a bout of domestic violence, the risk of a homicide occurring increases by 500 percent.

Your finances may suffer.

If you have a job, you may have to take time away from work because of the domestic violence, and your finances may suffer. Every year, cumulatively, victims of domestic violence lose eight million days of paid work. In addition, up to 60 percent of victims lose their jobs because of issues associated with the abuse. 

Once you leave an abusive partner, you may be ultimately responsible for your own financial support. It is important to dissolve an abusive relationship before it affects your ability to earn a living for you and your children.

Your mental health could be sacrificed.

Victims of domestic violence suffer from depression and suicidal behavior at a higher rate than nonvictims. The repeated pressure of abuse can affect your mental health. Some abusers try to convince their victims that the violence is the victim's fault. This skewed mindset is unhealthy.

If you are the victim of domestic violence from an abusive spouse, you may be seeking a divorce. A family law attorney can help guide you through the legal process. Schedule an appointment with a lawyer, like one from LaCroix & Hand PC, for a consultation.