How Bad Will My Credit Be After Filing For Bankruptcy?
Unfortunately, if you are behind on your bills and considering filing for bankruptcy, your credit may already be bad. It is possible that bankruptcy won't make your credit any worse. Although the fact that you've filed for bankruptcy will appear on your credit report for ten years after the date of filing, you can recover. Because filing for bankruptcy can eliminate your old bills, it can be used as a fresh start.
How Do I Find a Bankruptcy Attorney?
As with any area of the law, it is important to carefully select an attorney who will respond to your personal situation. The attorney should not be too busy to meet with you individually to answer any questions or concerns you might have.
Many attorneys, including Canales-Owen & Associates, offer free initial consultation where you can meet them and get a brief assessment on whether or not bankruptcy is the best option for you. Take this opportunity to make an assessment of the attorney yourself.
You should carefully read letters of engagement and other documents attorneys ask you to sign. You should not hire an attorney unless he or she agrees to represent you throughout the case. In the case of bankruptcy law, as in all areas of life, remember that the person advertising the cheapest rate is not necessarily the best.
Canales-Owen & Associates takes great pride in our knowledge of bankruptcy law and court. We will work with the trustee assigned to your case to create the best plan for your situation. If you think you might want to hire an attorney to help you file your bankruptcy, please consider contacting us today to set up your free initial consultation.
Can I File Bankruptcy Without an Attorney?
Filing for bankruptcy is a very difficult, time consuming, and long process. If filed improperly, it is possible to lose your case. Very few people have been able to file under chapter 13 (reorganization) by themselves successfully.
There are document preparation services (also known as "typing services" or "paralegal services") that offer assistance to people filing for bankruptcy. Although these services may offer valuable help in preparing forms and filing documents, most are unable to offer sound legal advice because they are not run by attorneys. Also, they cannot offer help once the case has been filed. Unfortunately, there are also many people in this field that will run unethical businesses and might try to defraud you. Please be carefully when using services like these.
The decision to file bankruptcy should be made only after it has been well thought-over. If you determine that bankruptcy is the best way to handle your financial problems, make sure you thoroughly explore your filing options.
What If I've Filed For Bankruptcy Before? Can I File Again?
People in the United States are allowed to file bankruptcy once every eight (8) years. If your last bankruptcy was filed more than eight years ago, you should be elligible to file again.
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