The idea of using the services of a Louisville bankruptcy attorney may come into the picture when you've gone through credit counseling and you opt for filing for personal bankruptcy. A Louisville bankruptcy attorney has the necessary expertise in bankruptcy laws and bankruptcy filings to help you win your personal bankruptcy case. You will need a bankruptcy attorney for this purpose because they are knowledgeable in the requirements of personal bankruptcy filings. But more importantly, a reputable bankruptcy attorney can help you file and win your bankruptcy petition. Personal bankruptcy may be the best solution for those suffering from extreme financial hardship. Be sure to consult with a Louisville bankruptcy attorney before deciding to file personal bankruptcy. It is not a good idea to go into bankruptcy court representing yourself. While it is possible to file a bankruptcy case without the assistance of a bankruptcy lawyer, it is extremely difficult to do so successfully. The court is will not be able to give legal advice or help you fill out the forms. Once your personal bankruptcy has been filed with the court and your petition has been approved, all financial transactions will be frozen. Once the debt has been satisfactorily resolved under the agreement set forth in the personal bankruptcy proceedings, a discharge will be issued, releasing the debt. Notices will be sent to creditors who will be instructed to stop all actions to recover or collect money. A Louisville bankruptcy attorney will listen to your concerns, evaluate your situation and make an informed recommendation as to your course of action. They will help you understand the big picture of how to go from where you are now to a more positive financial situation with the least amount of stress. Personal bankruptcy can help alleviate your sense of fear and constant worry and give you a fresh financial start.