Fresno Bankruptcy, does not have to be terrifying!
Fresno Bankruptcy, does not have to be terrifying!
Lay awake at night tossing and turning? Avoiding picking up the phone? Do Unknown Callers scare you? Do you dread going to your mail box - because there's never any good news there. All that you find there are bills, collections notices and threatening letters? If you're struggling with the burden of debt and your considering Fresno Bankruptcy . Here are 10 things you need to know.
To start off , you need to understand that you are not the online one . Times are insecure in Fresno People from all over have been hurt by the these hard times . The law was put in place to help people start over . It is legal and ethical. But you need to be careful . Here are some tips and some myths uncovered that can help you with your decision.
3 Questions to ask yourself
1) Are you just trying to get out of your debts ?
2) Have outside influences genuinely thwarted your efforts to pay your financial obligations
3) Are you prepared to start over and to avoid some of your mistakes from the past
7 Questions you need to ask your bankrupty lawyer
1) Is this the main area of practice? What percentage of your practice involves personal bankrupty work? (If it's less than 50%, go the next one on the list)
2) After reviewing your situation, ask the lawyer directly : Is bankruptcy a good option for me? (Make sure your Fresno Bankruptcy Attorney describes the different choices from Chapter 7 to Chapter 13) Understand the risks and ramifications of each. Your attorney should have a written document for you to review so you can make a careful and educated decision .
3) What is the best way to communicate ? Most Fresno Bankruptcy attorneys use email in order to have a record of of all your information . But if you don't email you need an attorney who will pick up the phone . How much access will you have to the attorney? And will you be working straightaway with the attorney or a paralegal? You want to choose a lawyer with personal interest and involvement on your case. Also, questions start to fester in when you can't talk to your attorney. Be very clear on how and when you will get updates from your chosen attorney.
4) What are the ramifications of filing for bankruptcy in Fresno ? How will this affect your financial situation today ? How will it affect your ability to purchase in the future ? How will it affect your credit? Make sure to get straight answers not a sales pitch. For example, a Chapter 7 may discharge most or all of your debt, and stop collection calls . A Chapter 13 may allow you to catch up mortgage payments, or restructure other debt. If your attorney tells you some hard things, be grateful they are telling you the truth . But ask for commitment that they will help you personally through the transition . If they seem distracted or not fully engaged in the process go to the next lawyer . You do have choices .
5) How do you pay for Bankruptcy? There are several payment options. {They| your attorney can charge hourly, or a flat rate . If you choose flat rate , make sure you are clear on exactly what you get for the flat fee. Does it include filing fees?
6) Will the attorney accompany you to court. Typically there is only one visit to the courthouse, called a hearing. Make sure that the attorney themselves will be at your side . You are paying good money for this process sometimes the last dime you have. Make sure you choose and attorney who values your sacrifice and is committed with his or her time and attention . The bankruptcy attorney should be at the hearing with you.
7) Be clear on the Fees. Ask exactly how much the fees are and what they include. The lowest rate is not always the smartest . You are paying an attorney to help you start over and to help relieve the stress you are currently in. This is not the time to go cheap . You want thorough and professional guidance . This is your biggest investment in your future.
Once you are comfortable with these answers, then make your decision. You may want to talk to a couple of attorneys before you make your decision .
Good luck with this important decision . If you want more complete information on how to prepare for bankruptcy, visit our site here Fresno Bankruptcy AttorneyOr call us at 559.321.8671. We truly care.
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