If you feel like you are swimming in debt it may be the time to contact a bankruptcy attorney. Last year more than one million Americans filed for personal bankruptcy. If you cannot pay your bills there may not be another way out. Bankruptcy can often help to prevent your home from being foreclosed as well as stopping the constant harassment from debt collectors. For many it can be a new beginning.
It is important to find a bankruptcy attorney when you believe this is the action you need to follow. You will learn the bankruptcy laws. You will also have all of the large amounts of paperwork completed correctly. Your attorney will assure that the procedure goes smoothly.
Your bankruptcy attorney will explain there are two types of common bankruptcies. One is the Chapter 7, the other is Chapter 13. An attorney will offer you the legal advice as to which is the chapter you will file. The next goal is for your bankruptcy attorney to protect your rights. If you are not aware of your rights, and you do not have a representative, you have a lot to lose. The attorney will stop all of the annoying phone calls that creditors make to your home. You will also learn that you will most likely be able to keep your home, your vehicles, and other property.
If you open your phone book to the yellow pages and turn to bankruptcy, you will find page after page of lawyers specializing in this field, if you live in a large city. Other attorneys may offer this service if they can fit it in with their personal injury lawsuits or their many other areas they deal in. It is important to have an attorney who knows the law and who keeps abreast of all changes in the law. Bankruptcy is a specialized field so it is important to have an attorney who specializes in this area.
Often, when you are in a financial disaster, fees play a major part when it comes to hiring an attorney. You will discover, when you hire a bankruptcy attorney, that many of them use a somewhat standard agreement. They often offer a flat fee. This will often include the consultation, an analysis, a decision as to which chapter to declare, preparation of the forms, a review of the petition with the client present, and attending the meeting of the creditors. Too, it will include a follow-up meeting with the creditors, if needed. The attorney will follow through to the discharge. You will find that it actually will save you money to hire a bankruptcy attorney.
Is Bankruptcy Right For You? Talk to Bankruptcy Attorneys Free and Confidential. Licensed bankruptcy attorneys are available. Attorneys will call you to discuss your case for free. Find out if bankruptcy is right for your situation.
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