When it comes to making a decision over whether or not to file bankruptcy, there is a lot that you need to consider. Since most of us never actually plan to file for bankruptcy, it can come as a shock when you have to actually weigh the decision. Things like unexpected job loss, medical emergencies, divorce, and other major life changes can quickly alter our plans and create overwhelming financial stress. Even a series of smaller financial losses can add up over time, leading to a level of debt that simply becomes insurmountable. It's during these times that having a trusted and experienced consumer bankruptcy attorney working for you can make all the difference in the world.
Over the years I've learned that helping people understand bankruptcy law and how it relates to their personal situation can serve as a major relief to their financial struggles. Most people are surprised to learn how helpful filing for bankruptcy can be when it comes to helping you manage your debt and crafting a solution to help you repay what you owe. That's why it's not only important to work with an experienced consumer bankruptcy attorney but to also understand some of the basic principles of bankruptcy and how they relate to you and your situation.
What Should I Know About
Filing for Consumer Bankruptcy?
Deciding to file bankruptcy is a serious decision, most people never plan to file bankruptcy, they work hard and pay their bills, but an unexpected loss of employment, medical emergency, or divorce can cause a financial disaster. Often many small things over time will lead to a situation where the debt is simply too large to handle. The stress of financial problems can lead to serious health and relationship problems, and bankruptcy can help.
We specialize in consumer bankruptcies, chapter 7 and chapter 13. Consumer bankruptcy will allow a majority of individuals to discharge all or most of their debts and stop foreclosures, garnishments of wages and bank accounts, vehicle repossessions, and harassing phone calls from debt collectors. In some cases, bankruptcy can even eliminate back taxes.