The repayment plan can leave you feeling uneasy, but you can rest in knowing that your bankruptcy attorney will do their best to help you acquire a payment plan that is possible with your income.
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Credit counseling is required and a very important step in this process. During credit counseling, they will help you determine if you can try debt consolidation or if you need to file for Chapter 7 or Chapter 13 bankruptcy.
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Your personal property will be labeled into two categories. Exempt items are items that cannot be taken away or sold to pay a debt. Non-exempt items can be sold if there value would help to pay back some of the money that you owe.
Attorneys are familiar with all aspects of bankruptcy and can help you make the best possible decision based on your current financial situation.
Bankruptcy is a stressful situation, but the help of an experienced attorney will help take the pressure off your shoulders and allow you to move forward into financial peace.
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If you choose not to honestly disclose your financial history, your case may be dismissed or filing for bankruptcy will not be effective. As hard as it is to disclose personal information, it is best to be honest and upfront to ensure that you can start on a new path to financial freedom.
