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Chapter 7 Bankruptcy Can Give you a Fresh Start by Nick Messe
If you think there are more people filing for Chapter 7 bankruptcy this year than in the past you are correct. With Chapter 7 bankruptcy your available personal assets are used to pay off your unsecured debts and the unpaid balance is wiped clean. Some states,[link widoczny dla zalogowanych], however,[link widoczny dla zalogowanych], do allow the filer to keep a vehicle and their primary residence. The rules are slightly different from state to state, so be sure to check with your court or a local bankruptcy attorney to see how it works in your state.
Most bankruptcy attorneys encourage people to take a good hard look at their finances before considering bankruptcy. Although many of your immediate financial problems will be wiped clean,[link widoczny dla zalogowanych], the bankruptcy will have a negative impact on your credit score and you might find it hard to borrow money for a while. So at what point should you go ahead and file for bankruptcy?
When your debts become so problematic that you can't make a dent in them and your attempts to hold off your creditors are no longer working, you might be a candidate for bankruptcy. When you do a tally of your assets and liabilities and you find that your liabilities are significantly more than your assets, it is probably time to take action. If your debts are endangering your IRA or any other retirement accounts, filing for bankruptcy may protect them.
Filing for bankruptcy doesn't carry the same stigma it used to and has become almost common these days. If your debts are simply unmanageable and there is no way to get out from under them, there is nothing to be gained by not facing this fact. There is no point in hiding from the facts and letting a completely unworkable situation carry on any longer than necessary. Chapter 7 could be a tool to restart your life without debt. Just remember not to repeat the same financial mistakes that got you into this mess in the first place.
Finding a bankruptcy attorney to help you regain control of your finances could be the best decision you've ever made. Debt can completely take over your time and attention and the reasons for getting into this kind of debt are at that point less important than just being able to simply get on with your life. With unemployment rising and inflation on the way, Chapter 7 could save your home, your health and your peace of mind.
Many bankruptcy lawyers offer free consultation before it is necessary to choose who you want to use. This is the best way to find a lawyer who is sympathetic to your situation and one you feel comfortable working with. You can also find out the terms and conditions of engaging an attorney and also what he or she expects of you as a client.
Take the time to consult with two or three different lawyers. compare prices and reputations then make your decision. Check with the state bar association to be sure the attorney you're considering is in good standing and has no complaints filed against them. Choosing an attorney to advise you and represent you is an important decision that should not be taken without proper consideration.
Bankruptcy can bring an end to your financial woes and can also be the start of a new life, especially since credit counseling is usually required as part of the proceedings. Hopefully you will come out of it with a better understanding of the dangers of credit,[link widoczny dla zalogowanych], and a commitment to avoid letting it happen again.
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