I’ve been practicing in the area of Bankruptcy and Asset Protection since 2003. Rummaging through some file drawers I found past articles I had written. One of the articles dated back to the recession and described two different groups of people that came into my office. The Shoulda Coulda Woulda camp would tell me, “I can’t believe I am finally sitting here, I wish I had done this 2 years ago.” ” I wish I had asked questions a long time ago and not have held on so long.” I heard this a lot during the recession.

The other camp was pro-active. They consisted of people seeking legal advice and wanting to get a jump start on their options should things get worse. They weren’t the glass is half empty type of people but they knew it would be derelict to ignore the possibility of their finances taking a hit. They wanted to get educated on a subject that was totally foreign to them. Know your options. Explore all possibilities. Be pro-active.