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Chapter 7 Bankruptcy Attorney

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Chapter 7 Bankruptcy Attorney

You've decided that the time is now to file for bankruptcy, but you need more information about how it all works. There's plenty of information available on the Internet, but it doesn't completely fill you in on what is involved. You know that you'd prefer to file for Chapter 7 if at all possible, but again, you are missing out on the details on how you qualify for that chapter. Take the next step and set an appointment with a Chapter 7 bankruptcy attorney to get a consultation.

Bring all of your questions when you consult with a Chapter 7 bankruptcy attorney. This is the time where you learn what to expect from filing for insolvency, and how it affects your life. The lawyer is there to answer any concerns you might have and give a brief overview of the process itself. She can also provide a preliminary answer as to your eligibility to file for Chapter 7, although she won't be able to tell you for sure until you retain her and start working on your petition.

In order to find out if you are able to file under Chapter 7, you need to fill out the means test. This is a form that has you lay out all of your income and payments every month. You don't get overly detailed at this point, but you do need to show that you have very little money left over at the end of the month to live off of. When you have a certain amount left over, you are more likely to be put into a Chapter 13, but a Chapter 7 bankruptcy attorney can provide more details about which chapter you qualify for. There are times where it is possible to go into a 7 even when the income is on the high side.

After you do the means test, you have to fill out the petition itself. Prepare to lay out every last financial detail in the paperwork that you are going to fill out. It's necessary in order to show the court that you are hiding absolutely nothing, and that you have a legitimate need for relief from your creditors. Putting out all of this information is not comfortable for many, but it's necessary. Once you have filled everything out, your lawyer goes through it to check for accuracy, then submits it to the federal district court for acceptance. After the court accepts the petition, you start the journey to becoming free and clear of debt.

One benefit of filing for bankruptcy is the fact you get immediate relief from your creditors attempts to collect. The moment the petition is filed, it creates a temporary injunction against your creditors. You can answer these phone calls and provide the caller with the file number of your bankruptcy. They must immediately cease contact or run the risk of violating the injunction. Any willing violations are actionable, which means that you can win $1,000 in court for every time they call after they have been notified of the injunction. A chapter 7 bankruptcy lawyer can help you with these issues and more.

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