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Zombie Bankruptcy

 

by John G. Merna

Halloween is the best holiday in my book and apparently in many people’s book.  Our affinity for things that scare us such as Zombies is well demonstrated by the popularity of television shows such as “The Walking Dead” and “Z Nation”. 

Our usefulness for the idea of Zombies doesn’t just end with entertainment.  They also provide a useful metaphor for many of the financial calamities we face.  See if you are familiar with any of them.

Zombie Credit: 

Are you one of the “Walking Dead” when it comes to credit?  Are you current but maxed out on your credit. However, you can’t get more credit because of your debt to income ratio?  Do you have old unpaid debt sucking the life out of your credit score leaving you in a pit unable to move financially forward?  If so, then you are a “Credit Zombie”. 

Zombie Debt: 

Do you have old, unpaid debt reaching from the past trying to suck the life out of you? Are old creditors demanding large payments to cover the interests and penalties?  Has an old, forgotten debt been resurrected by a collection agency or sold repeatedly to several different agencies just unwilling to die?  

Zombie Foreclosure: 

Did you surrender a house back to the mortgage company either through a foreclosure or deed in lieu foreclosure yet it is still listed in your name?  Is the city or county still demanding you keep up the property or pay the taxes? Is that house you thought gone and behind you stalking you dreams like the undead.

Yes, folks.  Zombies will be everywhere this Halloween, including in your finances.  Get some powerful Zombie killing experience on your side and call the bankruptcy attorneys at The Merna Law Group.  We’ll put the Zombies out of their misery and resurrect your good credit quickly.  Have a happy, safe & Zombie-free Halloween….unless you are dressing up as one.

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 The Merna Law Group, Attorneys At Law, P.C. …kind and friendly from the start!5 Stars! “Everyone there was kind and friendly from the start and helped us with everything in a timely manner. They were never rude no matter how much we called or asked questions.” Reviewed by B.P. of Virginia Beach on Feb 20 . 
 The Merna Law Group, Attorneys At Law, P.C. …very helpful and friendly!5 Stars! “Everyone at the office was very helpful and friendly. The attorney answered all of our questions and helped us through the entire process. He was also very helpful answering concerns that we had after the process was completed/over. Highly recommended!” Reviewed by M.E. of Virginia Beach on Mar 11 . 
 The Merna Law Group, Attorneys At Law, P.C. …overall experience was outstanding!5 Stars! “My husband and I were very happy with The Merna Law Firm. They are well organized, time manageable, and friendly. I was even able to bring my children with me if I needed to. In court, they stayed right there beside us and answered all questions we had. Our overall experience was outstanding and I am glad we were represented by the Merna Law Group.” Reviewed by A.M. of Suffolk on Mar 5 . 
 The Merna Law Group, Attorneys At Law, P.C. Didn’t have to worry about anything!5 Stars! “Just keep providing the type of service you do. You business values are based off reliability and service. Today’s Law Offices just don’t offer that kind of experience. Didn’t have to worry about anything!!! Just being able to go on with my normal life and know that all my issues are well taken care of is a relief in itself.” Reviewed by A.P. of Virginia Beach on Mar 4 . 
 The Merna Law Group, Attorneys At Law, P.C. …debt free!5 Stars! “A friendly staff and outstanding attorney who helped me through a difficult time in my life. Thanks to everyone at the Merna Law Group who helped me move on to and new chapter in my life debt free!” Reviewed by M.F. of Norfolk on Mar 8 .