If you're one of the many individuals who have been affected by the recent recession, chances are that that you may soon fall into the group that has no choice but to file for personal bankruptcy. If you've already begun experiencing the harassing calls and letters from your creditors and their bill collectors, it may be a good idea to make a phone call to schedule an appointment with reputable Manhattan bankruptcy lawyers. Choosing the right bankruptcy attorney to handle your case is a very important first step. Ask for a referral from a lawyer you trust, or obtain a referral from friends who have already been through the personal bankruptcy process. Having a knowledgeable personal bankruptcy lawyer on your side with will make all the difference in the outcome of your case. The most efficient way to file personal bankruptcy is to hire qualified and experienced Manhattan bankruptcy lawyers. These lawyers will guide you through the entire personal bankruptcy process, focusing on the evaluation, preparation and filing of your personal bankruptcy case. During the creditors meeting your lawyers will be at your side to handle all the complicated issues that may arise. Upon filing your petition with the bankruptcy court, creditors will no longer be allowed to take any further action against you. This means no more harassing phone calls or threatening letters demanding you pay the debt you owe. Most people have found that when their personal bankruptcy is over, past creditors stay away and don't often reappear looking for their money. Personal bankruptcy may seem like an overwhelming and never-ending process, but filing personal bankruptcy will allow you to get a fresh debt-free start. Imagine how uplifting it will feel to no longer have insurmountable debt and fear hanging over your head.