A lot of our clients work off shore in the oil and gas industry. They typically commute from Florida to either Mississippi or Louisiana for work. This type of work requires people to be away from their families from 14 to 30 days per month with varying amounts of time off. These are tough jobs.
Over the last several years, the slow economy, the additional restrictions placed on drilling and transporting oil and gas, and the decrease in the cost per barrel of gas have been devastating to this industry and to its employees. Many workers are paid a daily rate and have found that their rates have been more than cut in half. Some workers have left the industry completely in hopes of finding steady and consistent paying jobs. The financial pressure on these workers and their families has been tremendous.
We all accumulate debt while we work. While we are working to pay off the debt, we sometimes tie our spending to our income level without much cushion. Then, when the income reduction comes or the job loss, we find ourselves in a situation that we can no longer pay our bills. Decisions have to be made as to what bills should be paid and what bills should not be paid. Further decision making may involve whether we should access our retirement savings, if any, to help pay the bills.
Lewis & Jurnovoy is devoted to helping people make these tough decisions. Every day, we meet with people on our Free Consultation to discuss what is best for you and for your family. Most people are guided by their desire to pay their debts because they created the debt and believe that is most important. The law says that we as a people are more important than our debts.
When you come into our office on that Free Consultation, you will either see Martin Lewis or Steven Jurnovoy. Let us help you make these tough decisions and guide you and your family through these difficult days. If you require either a Chapter 7 Bankruptcy or a Chapter 13 Bankruptcy then we will set out a road map for us to follow and be with you every step of the way. There is always hope for a better tomorrow and we will turn that hope into action.