Before proceeding with your bankruptcy, it’s a good idea to start spending ample time with the people you care about most. Bankruptcy proceedings can be extremely harsh. This long and stressful process can leave a person feeling guilt ridden, unworthy and ashamed. Most people adopt a very negative attitude toward bankruptcy. Do not isolate yourself or you will put yourself at risk for depression. Therefore, meet this challenge head on and surround yourself with caring family members so you can get through this difficult financial situation.
Make sure you hire a good bankruptcy lawyer. This kind of law is usually where inexperienced attorney’s reside. Often times, people choose lawyers that aren’t licensed properly or that don’t have enough experience. Don’t fall victim to this. Be sure to look them up online, as you will be able to see their disciplinary record, background information, and ratings from previous clients. Know that filing for a Chapter 7 bankruptcy does not guarantee that all your previous debts will be dismissed. Secured debts might have to be reaffirmed and new agreements may have to be made. There are also some debts that can’t be discharged. Court-sanctioned fines can’t be discharged under Chapter 7 and neither can child support or alimony payments.
Avoid paying for a consultation with the bankruptcy attorney, but do ask many questions. You can meet with a few lawyers before deciding on one. Most lawyers provide a free initial consultation. Don’t choose a lawyer until your questions about bankruptcy are sufficiently answered. Take your time choosing the right attorney to assist in your bankruptcy. This offers you the opportunity to speak with other attorneys.
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