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How to Select Bankruptcy Services

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There is nothing more heartbreaking than to see an earnest
hard-working family with its back against the wall in bankruptcy
proceedings being thrown out of their home because someone steered them
towards cheap unreliable bankruptcy services to help solve their
problems. Things are so tight these days, that even a few days of
layoffs in the family can push everyone to the brink of financial
disaster. People in temporary trouble like this do know that things
could get better really soon; and to keep the creditors from foreclosing
on their home, they could retain a lawyer out of the Yellow Pages who
specializes in bankruptcy services. Lawyers are not strongly disliked
for no reason; often they can just take your money, sell you hope, and
just never do their job. They could salve their conscience with
something silly like, "at bargain basement prices, what did you expect,
all my attention?" This kind of work isn't even that complicated - he'll
just need to show up, and submit your undertaking that you intend to
honor your debts. But if he doesn't do that, they will rule against you,
and you won't even know until the day the bailiff shows up to inform
you that you are now an intruder in your own home.They call these
cheap bankruptcy specialist firms, bankruptcy mills - you get the idea -
they just give you run-of-the-mill revolving door service. These are
huge offices with crowds of bankruptcy petition writers and fresh law
students working in sweatshop conditions who for a fee you will be happy
to give you shoddy advice on how to reorganize your money, keep the
debt collectors away, and keep foreclosure possibilities out. You'll get
plenty of junk mail from them, and they advertised all over too. Some
of these services run out of actual law firms. You might be impressed by
the law firm-like name on the door, but this department may actually be
run by just a hundred overworked secretaries directed by one very
frustrated lawyer who couldn't care less. The other kind of bankruptcy
mill doesn't actually call itself a law office; they call them
bankruptcy-petition preparers. These are just people who have some kind
of experience, having worked with or under a lawyer once. They operate
out of a storefront, and boy, are they cheap.So what happens when
you go to one of these people. How bad can it be? These meatgrinder
practices can cost you your life savings, your home, and your shot at
happiness in the future. These bankruptcy services called mills, can
give you such bad information, that you would have a hard time believing
you're in America, a country where everything is supposed to be
properly regulated. Consider the case of three students in upstate New
York who suffered under a crushing student loan debt. They thought they
could approach a storefront bankruptcy petition preparer to file Chapter
7 to have their student loan forgiven. Of course such a thing isn't
possible, but that bankruptcy service was perfectly happy to take their
money, and tell them a couple of days later that the job was done. And
then the collection agents started calling a couple of years later, and
they have this on their credit record.We could go on and on, but
the bankruptcy mills apparently have taken exception to this. They say
that given the volume that they deal with, a few errors here and there
are only to be expected. What do you do when you can't afford a lawyer -
you do need someone don't you? The bankruptcy services say that they
don't promise to give you full service at the $200 they charge you.
They'll only do the bare minimum and it is up to you, the customer, to
make sure that all the t's are crossed and the i's dotted. But how does
anyone defend giving misinformation?This reminds me of a trip to
Mexico once; there was someone selling sneakers on the street for $1.50 a
pair. This was astonishing of course and I thought I would check them
out. They had used nails to hammer the soles to the uppers; and the
nails protruded through to the insides of the shoes. When I asked him
about the idea behind this, he just said what did I expect for $1.50?
Not, bloodied feet, I'm sure.

If you've been considering filing bankruptcy, there are other
options you may want to consider first. For example, what about the government
debt consolidations that could give you some relief?A
bankruptcy will stay on your credit record for 7 years, at that point,
you'll be left working with a small amount of credit available to you,
in the form of bad
credit loans that you may be able to qualify for.
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7/15/2018 7:18:04 PM UTC