A triangulation of unexpected events pushed you to a financial brink. A life-threatening health event, a job loss and a pending divorce created a whirlwind personal storm in a matter of six months. For most people, this is a one-two-three knockout blow. But you are not so easy to give up. Even so, you need help getting back on your feet.
That help arrives with rest and physical therapy for your health, a counselor/therapist for your soul and an attorney to help put your financial life back together. With the sudden avalanche of challenges, you understand that filing for personal bankruptcy is an option, and a skilled bankruptcy attorney has the know-how to guide you.
Organize, describe and explain
An effective bankruptcy attorney is a problem solver, ready to roll up his or her sleeves in dealing with the complex issues in this legal area. With compassion and knowledge, this attorney can explain the advantages of bankruptcy in simple terms and forge on toward a solution.
Here are ways a bankruptcy attorney can help:
- Organizing and preparing a plan, determining the best bankruptcy route for you, whether it is Chapter 7 or Chapter 13.
- Describing how you can keep your house and car during a bankruptcy proceeding.
- Explaining how to protect yourself from overly aggressive, unethical and law-breaking creditors who threaten you, call you at work or home, or try to shake down family members. The Fair Debt Collection Practices Act (FDCPA) protects you against creditors who subscribe to this unethical and illegal behavior.
- Providing you with resources such as debt counselors who can help you examine your spending habits, create a realistic spending plan and provide tips on how to raise your credit score.
You are at a financial crossroads and filled with questions and uncertainty. Turning to a skilled bankruptcy attorney for advice is one of the most important steps to take in this type of situation.