Hillsboro Community Advantage Guide

Is Bankruptcy Right For You?By George Hoselton, Attorney

If you are like many Americans you may be living in a nightmare of calls from creditors and mailboxes overfl owing with collection notices. Everyone deserves a second chance. Fortunately, the laws of the United States give people the opportunity to start over by wiping away their debts.

If you fi nd yourself in an increasingly precarious fi nancial position, you may think of fi ling for bankruptcy protection. Give us a call and come meet with us, you don’t need anything when you fi rst come in, and we can answer your questions. How do you know if this is really the best way for you to get back on an even footing? What paperwork will you need for us to help you?

While DIY is fairly popular in many things, fi ling for bankruptcy protection is best left to those who know what they’re doing -- an attorney concentrating his practice on bankruptcy. We do not charge for an initial consultation. The reason is that we fi nd value in encouraging people to talk about their situations and feel comfortable before making any decisions about the best path to a fi nancial fresh start.

Again, you DON’T need to bring anything with you the fi rst visit. BUT, if you are sure that bankruptcy is the next step for you and you’d like to get started with your fi rst appointment there are a few things you’ll want to do.

1. Gather your bills and pay stubsPut all your personal fi nancial documents into two stacks. In one stack, compile all your income documents, whether paystubs or cancelled checks or other evidence of what you’ve earned over the last six months. If you have only one employer, that’s easy. However, ALL income is counted here, so be sure you have all the information you would have to declare on your tax return at the end of the year. Be sure to include any rental income.On the other side of the table, sort your bills by category for the same 6-month span: all taxes; mortgage/rent/utility bills; medical expenses; credit card, student loans or other unsecured bills; car loans or secured bills; and any miscellaneous debt. And don’t worry about the size of this stack. It’s almost impossible to present us with too much data. We prefer to have more than less.

2. Get a copy of your credit reportYou can get a copy of your credit report free once a year. Many of our clients go to annualcreditreport.com to download their reports. If you’ve used your free report for the year, we can obtain it for a nominal fee.

3. Make a list of your property, both real estate and personal effectsNow, sit back and take stock of your assets. Items to consider here are real estate, vehicles, household goods, stocks, jewelry, guns, artwork, retirement accounts, insurance and bank accounts.

Finally, give us a call to set up a FREE consultation to discuss your options. The hardest step in the process is the fi rst one, but together we can help you chart a new path to your fi nancial future.

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Brushing Up

W hat if you could restore your broken tooth in one dental visit? What if you could restore your damaged tooth to its original, healthy condition?

What if your newly restored tooth looked and felt like a natural, virgin tooth? No metal, no artificial-looking crown. Well, now you can. CEREC tooth restorations are the closest you can get to natural teeth.

CEREC tooth restorations: Proven technology If you have a large cavity or root canal, a CEREC restoration may be right for your tooth. No dental technique available today comes closer to your natural teeth. In a single visit, we capture a 3D image of your tooth, and in just 15 minutes the CEREC system generates a perfectly matched “puzzle piece” to fit the part that’s decayed or broken. This is the piece that we bond onto the existing, healthy part of your tooth to complete the CEREC restoration.

Healthy, natural, and convenient. Your natural enamel is what protects the interior of your teeth. The more healthy enamel we preserve, the stronger your tooth will be and the longer it will last. CEREC restorations allow us to save every sliver of healthy enamel possible. In fact, the CEREC restoration actually bonds with your existing tooth, renewing your natural enamel seal.

CEREC restorations fit into your mouth like natural teeth. The software allows us to contour the outer shape of the “puzzle piece” to fit not only the tooth being restored, but the other teeth it comes into contact with. Of course we also match the color to your existing teeth. We use biocompatible pressed ceramic for a natural look and feel. This material acts so much like your natural teeth, it is simply amazing. And you’ll love getting your CEREC done within a single visit.

CEREC Features:• Teeth restored to natural strength and beauty. • Looks natural, reflecting natural tooth shape and color. • Wears evenly with opposing teeth. • Expands and contracts the same as a tooth. • Single-visit treatment. No messy impressions, no lab work. • Highly durable and long-lasting

Ask us if CEREC is right for you.

CEREC® ToothRestoration

Hillsboro Community Advantage Guide

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