Which Bankruptcy Chapter Is Right For You?

Which Bankruptcy Chapter Is Right For You?

Whether your debt crisis is the result of unexpected medical bills, job loss, or simply overspending, the idea of contacting San Diego bankruptcy attorneys can be overwhelming. It may be difficult to admit that things have gotten so out of control as to consider personal bankruptcy, but for some individuals it is the best solution to reclaiming a positive financial status. The decision to file for bankruptcy is an important one, and the consequences of it must be understood before it is taken. It is an extremely difficult decision to make and better left to the guidance of San Diego bankruptcy attorneys who have the expertise and knowledge of the current bankruptcy laws in your state. It's important that you are very selective in finding the right personal bankruptcy attorney. You can obtain referrals for San Diego bankruptcy attorneys from friends and family members. Checking with your local bar association is also helpful, as they can also give you the names of experienced San Diego bankruptcy attorneys that are qualified to handle your case. San Diego bankruptcy attorneys will help you to determine the type of personal bankruptcy you should file. Filing for personal bankruptcy under Chapter 7 and Chapter 13 will stop creditor harassment and will generally stop wage garnishments, depending on the reason for wage garnishment. For example, if your wage is garnished because you have to pay child support, that wage garnishment will continue. However, if your wage is being garnished to pay an unsecured debt, like a credit card, the wage garnishment will cease. Filing for personal bankruptcy does not have to be a humiliating experience. Sometimes we find ourselves confronted with situations in life that we can not handle, and this is one way to try and help yourself get your finances under control. Knowing that those bill collectors will stop hounding you is certainly something to look forward to.

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