Deciding whether to file for bankruptcy is typically a difficult decision to make. Please contact us to schedule a free initial consultation with an attorney who will help you decide whether bankruptcy is the right option for you. Part of the analysis includes a discussion of what your income and expenses are, what type of debt you have (not all debt can be discharged in bankruptcy), and what assets you own.
We understand that individuals do not plan to file for bankruptcy, but unforeseen situations may have arisen making bankruptcy the appropriate solution for you. If bankruptcy is the right path for you and you retain our firm, we can assist you throughout the entire process and creditors can contact us rather than you regarding debts. After receiving information from you regarding your financial situation, we will prepare all the necessary information to file your bankruptcy petition.
The bankruptcy court requires you to complete a credit counseling course prior to filing, as well as an additional course after filing but prior to discharge. Both of these courses can be completed online. After filing your petition we will attend the meeting of creditors with you, which is where the trustee will ask questions about your bankruptcy filing. Generally your bankruptcy will be discharged a couple of months after the meeting of creditors occurred.
Following your bankruptcy discharge you are not personally liable for the debt that was discharged, and you are provided with a fresh financial start.
Contact us today so we can help you toward your fresh start.