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How To File Bankruptcy |
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| Item ID#: |
2088906 |
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CA
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| Seller ID#: |
628235 |
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How To File Bankruptcy With An AttorneyThe most common way to file bankruptcy is to hire a bankruptcy attorney to prepare your petition and file your case for you. Your attorney will explain the bankruptcy process and terms of his/her representation of you.
Most bankruptcy consultations are free, but some attorneys do charge up to $200 for 1/2 hour consultation. This should not cost you anything, especially when you're already struggling financially. So take your time and choose a legal office that can give you a 100% Free Bankruptcy Evaluation. There are plenty of them in your local area.
Your attorney will ask you to bring specific financial information like 3 years of tax returns, current pay stubs, and a list of your current financial obligations, this will help determine which bankruptcy chapter best fits your situation based on your financial situation and by completing the BAPCPA's bankruptcy means test.
Bankruptcy fees can be expensive so it's important that you shot around to be certain you're getting the best deal. But there's an even easier way. There are bankruptcy networks that can match your situation to a number of bankruptcy attorney in your local area. Click Here for more information.
How To File Bankruptcy Alone Filing alone is never recommended as it is a lot more complicated and in many cases due to lack of understanding the legal process, self filers make mistakes that costs them their chance for bankruptcy protection by being denied.
It is now easier than ever to make these mistakes due to law changes. However, if you are set on the idea of filing alone, here's how you can start:
First, download the required bankruptcy forms from The US Courts website. There will be instructions with every form, which you must read carefully and thoroughly since they have good information on how to file bankruptcy alone.
Second, you must sign up for a credit counseling course, which is required by law before you can file your case. There are two parts to the course, one you take prior to filing and the last after filing.
Once you've taken the first part of the course, print your certificate and gather all the documentation outlined in the bankruptcy forms, make sure your forms are properly filled out and head to court to file your case.
If your forms are in order and you're not missing anything, you'll simply be asked to pay the court fee of $299 for chapter 7 or $235 for chapter 13. If your forms are wrong or you're missing information you'll be denied filing your petition and may get another opportunity at a later date.
Take A Free Bankruptcy Evaluation Even if you do not intend to file your case with an attorney, a free bankruptcy evaluation can give you an idea for what chapter you can file under and what you can expect from the process.
One of the biggest disadvantages of filing alone is not having the proper knowledge to know how to protect assets, one your case if filed and the court is aware of your current assets, the judge can order the liquidation of your assets to pay your creditors before your case can be discharged. Not all cases require this, but self filers often fail to pay attention to how to properly protect assets.
Take the first step to rebuilding your life and taking charge of your financial future. Learn how to file bankruptcy properly:
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