January Brings The Promise Of A Fresh Start

January takes its name from Janus, the Roman god of new beginnings. It’s a fitting reminder that every new year offers a chance to start fresh. At Van Horn Law Group, we meet people every day who are ready for that fresh start: one free from overwhelming debt and the stress and uncertainty that comes with it.

It is not surprising that, in January, many people conclude that they have to do something about the hole they find themselves in. Why this year in particular? We start this year with credit debt and delinquencies at their highest levels since the Great Recession of 2008; auto repossessions increasing by 43% since 2022 and auto loan delinquency rates for all credit score categories are at their highest level since 2010; and home foreclosure filings rising for six consecutive months year-over-year, marking an 18% increase from the same period in 2024.

Given the state of the economy, it is no wonder many Americans find themselves in need of a fresh start. If you find yourself in a hole that only seems to be getting deeper, you are not alone. The good news is there are federal laws that can help you. At the Van Horn Law Group, we use federal bankruptcy laws to help people get out of debt and find a new beginning.

Bankruptcy is not about failure. It is about opportunity. At our law offices you will not find judgment but you will find empathy and support. If you made a New Year’s resolution to do something about your debt, call the Van Horn Law Group and take the first step towards your fresh start.

Marty Marks

Van Horn Law Group, Pittsburgh