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Are you in debt? If yes, what is your plan on getting out of debt? Getting yourself an attorney is a surefire way of climbing out of the abyss. The attorney will prepare and file your bankruptcy petition and advise you on the bankruptcy chapter to apply for, whether 7,11 or 13.
Filing for bankruptcy is not an easy decision to make; it requires planning and adequate legal help because it’s a life-changing decision. As hard as it may seem, filing for bankruptcy can help you to climb out of a financial crisis if done right. Some of the benefits include:
Engage the help of your attorney when filing the bankruptcy document. Collect information about all your debts and creditors. Key them into the chapter 7 bankruptcy form using the proper filing format. The forms contain some instructions and terms that may be confusing if you do not have a legal background. That is where a seasoned attorney comes in handy.
After finishing filing your petition, sign it form. Your attorney will also sign to pronounce that the preparations are complete. File the petition electronically while your attorney retains the original. Ensure you are served with a hard copy, and an electronic notification is sent to your creditors. Through this, the creditors cannot file legal proceedings against you or contact you.
50-60 days after filing your petition, a meeting with a court-appointed trustee is set. The trustee represents your creditors; he or she will mull over your case to see whether any of your assets can settle some of the debt. Once you file a chapter 7 bankruptcy petition, all your assets fall under protection making this a formality. On rare occasions, exceptions may arise, and your attorney must step in.
If your case transitions normally, after 120 days since filing for bankruptcy, the court will grant you a discharge that frees you from all your debt. You can start afresh once the process is complete.
In the recent tough economic times, your business may go under bludgeoning debt. To save your drowning business, you can opt to file a chapter 11 bankruptcy petition. Through this, to will keep your business afloat while plotting on how to pay the debt. Some of the benefits are:
You may be ineligible to file for chapter 7 bankruptcy due to having high asset equity or income, chapter 13 bankruptcy form may aid you. Commonly referred to as reorganization bankruptcy, it is effective for homeowners facing repossession and foreclosure.
To be considered for the chapter, you must meet the monthly post-bankruptcy payment while supporting your current lifestyle. It would help if you kept in mind individual debt cannot surpass the set statutory limit.
You must file the following documents to get a chapter 13 form:
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"Spodek Law Group have offered me excellent support and advice thru a very difficult time. I feel I've dealt with someone who truly cares and wants the best outcome for you and yours. I'm extremely grateful for all the help Spodek Law Group has offered me. I can't recommend them..."
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