You Are Not Alone

You Are Not Alone

You Are Not Alone

Contrary to what many people may think, a Tinley Park bankruptcy attorney is the best person to help you file for personal bankruptcy. Millions of consumers are suffering from overwhelming debt. Have you or a family member felt the negative effects? Are you receiving harassing phone calls and letters from collection agencies? Is your car or home in danger of repossession? You are certainly not alone. Perhaps filing for personal bankruptcy may be the answer for you. Finding the right Tinley Park bankruptcy attorney to guide you through the legal process is one of the most important steps in the bankruptcy process. While there is no requirement in the bankruptcy code that states you have to have a lawyer assist you, most people realize after doing some research that a Tinley Park bankruptcy attorney can help simplify the process. There are two types of personal bankruptcy typically filed by individuals. Chapter 7 is the most common, where most of your debts are wiped out. A Chapter 7 filing will discharge your debts, except for alimony and child support, federally insured student loans, criminal and traffic fines, state and federal taxes due within the last three years, and debts that resulted from willful malicious acts. Chapter 13 allows you to pay back your debts on a payment plan, and may also reduce some of your debts such as medical bills. Once your Tinley Park bankruptcy attorney files your petition, all of your creditors will be notified and a court issue will stop wage garnishing, creditor harassment, and foreclosures. Personal bankruptcy can be a clean start to a bright future. It is very difficult for anyone to decide to file personal bankruptcy, and is rarely taken lightly, despite what your creditors say. Once you file for personal bankruptcy you should work with a financial advisor to learn what happened, and how you can avoid taking on unwanted debt in the future.

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