Many times filing for personal bankruptcy with the assistance of a Pittsburgh bankruptcy attorney is the only way to find your way out of overwhelming debt. Whether your debt is the result of not being able to pay your bills because you were laid off work or the result of poor financial decisions, there are a variety of things to consider before actually filing personal bankruptcy. When you first consider to file for personal bankruptcy, you will need to decide if Chapter 7 or Chapter 13 personal bankruptcy will better suit your situation. Seeking the guidance of a Pittsburgh bankruptcy attorney can help you make that decision. Under Chapter 7 personal bankruptcy, all of your non-exempt assets are either turned over to your creditors or liquidated. Under Chapter 13 personal bankruptcy, the court will allow people who hold a steady job to keep some of their property such as their car or home. The bankruptcy court would in this case, approve a repayment plan that allows for using your future income in order to pay off the debts within a specific time period. The most important step in any personal bankruptcy is to consult with an experienced personal bankruptcy attorney. It is recommended that you meet with a Pittsburgh bankruptcy attorney that has the appropriate expertise in the personal bankruptcy field. The legal knowledge a Pittsburgh bankruptcy attorney can provide will give you peace of mind in guiding you to make the right decisions as well as high quality legal services that are suited to meet your personal bankruptcy needs. By filing for personal bankruptcy, you will be able to re-establish and increase your chances of once again obtaining good credit. Once your Pittsburgh bankruptcy attorney files your petition, the creditor harassment and personal stress you've been experiencing will come to a halt. A Pittsburgh bankruptcy attorney can not only help guide you through the difficult process of personal bankruptcy, but will give you the legal representation you need.