Looking for bankruptcy help – Go for Bankruptcy Attorney
Bankruptcy is a highly complicated legal and financial procedure that is extremely difficult for an individual to negotiate on his or her own. This is where a skilled bankruptcy attorney can help you. Whether you are filing chapter 7 bankruptcy, chapter 11 or chapter 13 bankruptcy, you will have to seek credit counseling with an approved credit-counseling bureau. Your bankruptcy attorney can advise you where to do this.
You will also need to take a means test, which will determine which chapter you qualify for. If you do not agree with the results of the means test, your bankruptcy attorney can help you appeal the decision. In the next part of the process, you will have to fill out all the bankruptcy forms and collect every bit of documentation necessary to support your bankruptcy petition. In this process, the assistance of a bankruptcy attorney is invaluable because it is vital that your bankruptcy filing is correct and complete. If the court has any reason to suspect fraud, they will investigate your case and you risk going to trial for perjury.
Your bankruptcy attorney should also inform you about exemptions you might qualify for. Exemptions are part of your estate that will not be included in the bankruptcy liquidation or reorganization, depending on the chapter you are filing. Varying from state to state, exemptions usually include a certain amount of personal and household items, as well as specific pension funds. Once your petition has been accepted by the court, your bankruptcy attorney will represent you in all communications with the Trustee and the court. It is important to have your bankruptcy attorney clarify everything for you, due to highly complicated legal language and rules you may not be aware of. In the meeting of creditors, your bankruptcy attorney will defend your best interests and make sure that no unsubstantiated claims are included in the bankruptcy filing. The last step in your bankruptcy filing is the court hearing of your case. Again, your bankruptcy attorney will represent you at this crucial point in order to attain your official discharge. In short, with the services of a knowledgeable bankruptcy attorney, your bankruptcy filing will run as efficiently and quickly as possible, with the least amount of stress to you.
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