If you have made the decision to file for Chapter 7, hire an attorney to help you with the process. An experienced Chapter 7 bankruptcy attorney you will reduce the chances that you make a mistake filing on your own. Mistakes can eventually lead to the court dismissing your case. You may even be unsure if you should file at all. A knowledgeable attorney will assist you in making the best decision.
Filing for bankruptcy can have long lasting financial effects. This is why it is important that your situation warrants a Chapter 7 filing.
1. You Are Behind On Your Mortgage Payments
The main reason why many debtors decide to hire a Chapter 7 bankruptcy attorney is to help them stabilize their mortgage payments. Many homeowners who are struggling to pay their household bills. Consequently, they often have to decide which bills are getting paid for the month and which ones are not. Homeowners who are paying credit card bills or other bills instead of their mortgage should hire an attorney. This way they can receive financial direction. If your utilities are being turned off because you are paying other creditors, contact an attorney that specializes in Chapter 7 bankruptcy.
2. Your Creditors Are Constantly Calling You
If creditors are calling you at home and at work, you may be considering taking additional steps to handle the problem. You can speak with an attorney regarding Chapter 7 filing so you can stop the creditors from calling you.
3. You Are Unemployed
If you are not working and your bills have started to pile up, you may need to consider an alternative that is permanent. This is especially true if you are not able to secure employment quickly enough to stay current on your debts. You may also need to consider filing if your replacement income does not match your previous income. You may also have to file if you are having problems paying your bills.
Discuss your individual case with a professional Chapter 7 bankruptcy attorney. A consultation will help you determine if you really need to file, and if so, the proper procedure for doing so. This step will be the most important step in helping you to rebuild a solid financial future.