smiling girl

“I hope that in this year to come, you make mistakes.

Because if you are making mistakes, then you are making new things, trying new things, learning, living, pushing yourself, changing yourself, changing your world. You’re doing things you’ve never done before, and more importantly, you’re Doing Something.

So that’s my wish for you, and all of us, and my wish for myself. Make New Mistakes. Make glorious, amazing mistakes. Make mistakes nobody’s ever made before. Don’t freeze, don’t stop, don’t worry that it isn’t good enough, or it isn’t perfect, whatever it is: art, or love, or work or family or life.

Whatever it is you’re scared of doing, Do it.

Make your mistakes, next year and forever.”

― Neil Gaiman

It’s the start of a new year, and at the beginning of each year we see an increase in bankruptcy filings. For many people, this is because it is tax refund season and they decide to apply part of their refund towards filing Chapter 7 bankruptcy and getting a fresh start from last year’s mistakes.

I came across the above quote, and it says a lot to me about the kind of work that we do every day at the Law Office of Charles Farrell Jr. Bankruptcy is designed to help people who have made mistakes. These mistakes can come in many forms: business, marriage, job-related, accident, illness/health coverage, credit cards, bad purchases. All these mistakes end the same way—with financial hardship. What I find that people are missing is the very thing that Mr. Gaiman has grasped. That we are encouraged to make mistakes. Our free market economy encourages us to take risks. We want people to try new things, such as, opening their own business despite the fact that we know most new businesses fail. It’s these risks that spur on the economy and move our lives forward. If we leave people saddled with debt after taking a risk then they are no longer contributing to the economy. The great wheels of commerce stop spinning. That’s why we have bankruptcy as a pressure release valve to take the burden off of those people who took a chance and met with hardship, so that they can try again and contribute to the economy once more.

If last year’s mistakes ended with you in debt, you owe it to yourself to pick up the phone and give me a call at the Law Office of Charles Farrell Jr. I will speak with you personally about your options in Chapter 7 and Chapter 13 bankruptcy. Do it. Let’s do something about the problem so you can move on with life and try something new.

-fueled by espresso. When fully caffeinated, Charles Farrell Jr. can be reached at 229-474-6742 or at [email protected]

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