Rodney S. Scott | Lawyers - Bankruptcy
The Law Office of Rodney S. Scott has been offering legal assistance in consumer bankruptcy and debt relief in East Texas for over 25 Years. Mr. Scott, along with our caring and knowledgeable staff, helps find the best plan for you and your family, based on your personal situation. Our job is to help you and your loved ones achieve a FINANCIAL FRESH START. We can also help relieve some stress by stopping foreclosures and collection calls, providing payment plans and offering a FREE INITIAL CONSULTATION.
"For 25 years, I have been helping people in East Texas deal with financial problems. In that time, I have seen so many honest, hard working people who have been the victims of financial reversals and set backs who are beating themselves up emotionally over situations that were totally outside their control. Utilized correctly, bankruptcy can be a way for families to gain a FINCANCIAL FRESH START. For some it is a not only a finacial decision but a moral decision as well. Federal law allows you this new start through the bankruptcy code. -Rodney S. Scott
"At the end of every seven years thou shalt make a release. And this is the manner of the release: creditors release that which he has lent unto his neighbor and his brother; because the Lord’s release hath been proclaimed" ~ Deuteronomy 15:1-2
Moment of Zen: The Nasty Bill Collector as Your Friend
By: Rodney S. Scott
I have no idea how many times in the quarter century that I have been practicing bankruptcy in East Texas, I have heard some version of this story:
"I’ve always paid my bills on time but...when I lost my job...got divorced...got sick...etc., I started falling behind." Followed by, "I tried making minimum payments, but once I was late, my interest rates skyrocketed and, with minimum payments going up, I just couldn’t keep up. I called my creditors to ask if they could help me, but the collector was mean, rude, abusive, etc."
For a long time I would listen to these stories and feel my blood pressure go up. Now I try to explain to the client that the nasty bill collector may have inadvertently done them a favor. As they look at me as if I’m crazy, I explain my theory:
"When a person is trying his best to pay his bills, if all his creditors were patient and understanding and willing to work with him, he might continue to fight a losing battle to make the payments. However, often the creditor or collector who is the worst is the one that causes that person to see if there are other options - like a fresh start through bankruptcy.
That is why the meanest creditor may have been a blessing.