If you have significant financial problems, you should find a comprehensive solution to your problems before you spend your tax refund.  For many people, your tax refund is  one of the largest sums of money you will receive at one time, over the course of a year.  Creditors may be calling or filing lawsuits to collect money, and you may be looking for ways to deal with that pressure, through debt consolidation, debt settlement, credit counseling organizations, or recommendations from friends and relatives. 

Finding the correct solution requires you to speak with professionals who can provide you with a variety of alternatives, considering all of your assets and debts, your income and expenses, and the goals you are trying to achieve.  Many people are looking at short term solutions to long term problems and, as a result, never protect the assets they need for themselves and their families.  Instead, they just pay the creditors who are the loudest and pressing them the hardest.  Don't allow those creditors to force you to make the wrong decisions.  Seek advice from professionals who can guide you with the best solutions for you and your family.  As Molleur Law Office, we have 7 attorneys with extensive experience evaluating options for clients regarding debt collection violations, credit reporting violations, debt settlement,  foreclosure prevention and defense, and Chapters 7, 11, 12,and 13 under the Bankruptcy Code.  Before you spend your tax refund, make sure that you are using your money wisely and that you make the best choices.