"Bankruptcy" is a word that automatically conjures up highly charged emotions. It normally means that if you are about to file bankruptcy then you are down to your last resort. It is not easy. It is not fun. It is a stressful process to go through. Your finances are in shambles and the old saying, "playing with my money is like playing with my emotions," rings true in the majority of bankruptcy cases than other situations encountered.
Today, you cannot turn on the television without hearing about someone else losing his/her home due to financial problems. People feel trapped in an economical downslide. The economy is having a domino effect causing havoc upon households nationwide. Bills are piling, creditors are hounding, cars are being repossessed. It is a financial mess. And when you have no other means to pay past due bills, bankruptcy emerges as the best clear option. However, what do you do first? You start with hiring a reputable, knowledgeable, experienced bankruptcy attorney.
Bankruptcy is a stressful process. The emotional weight of knowing you are submerged in debt with no other way out than filing bankruptcy takes its toll upon oneself. So why would you chance getting qualified while under such a tense state of mind. What if you are filling out the paperwork yourself, with no attorney to assist in guidance, and the burden of your financial situation causes you to miss something on your bankruptcy application. What if your application is rejected and you have no clue how to proceed forth? You need to take these scenarios in consideration. Especially since, once you file for bankruptcy there is no going back.
If you file for Chapter 7 Bankruptcy, then you cannot go back and change it to Chapter 13 Bankruptcy at later date. Once you declare a specific type of bankruptcy then you are stuck with it. Therefore, what would happen if you were unaware of the differences? Perhaps one form of bankruptcy is better suited towards your situation. A bankruptcy attorney will find the correct filing and the most beneficial option for you.
Furthermore, what if your days are consumed with family, kids, a significant other, pets, and emotional issues from your financial situation leaving zero time left to manage your bankruptcy filing? How would you conduct follow-up phone calls, paperwork, and reading documents if time is of the essence, and you have none left? You are limited by how much time is in one day. Thus, surround yourself with a support system that knows bankruptcy laws easing your daily worries. Concentrate solely on emotionally working through the process and allow someone else, preferably a bankruptcy attorney, to worry about the rest.
Communication is essential in handling a successful bankruptcy case. There is communication exchanged between the courts, creditors, banks and the individual(s) filing the case. Someone needs to be accessible to these parties or else something could go wrong during the filing process. It is better to leave the communication tasks to an attorney who knows how to react and answer the questions quickly, intelligently and without hesitation.
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