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Why Do I Need a Chapter 7 Bankruptcy Attorney

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Why Do I Need a Chapter 7 Bankruptcy Attorney

There are many reasons why people should use a Chapter 7 Bankruptcy Attorney whose filing can be handled by your local attorney.

Often the best, quickest, and most comprehensive way to deal with burdensome debts is Chapter 7 Bankruptcy, which wipes out all of your debts in a timely manner, except obligations to the federal government like back IRS taxes or student loans. In Chapter 7 Bankruptcy, you can have certain important assets excluded and protected in the process, like your home or car. Many of us sometimes fall behind on our bills and take on too much debt to replace the decline in real incomes in America over the last 30 years.

For those experiencing financial hardship where debt piles up that cannot be paid down nor paid off, there can be intense feelings of guilt or shame. You could have: run up unexpected medical bills not covered by insurance; you could have given assistance to a worthy friend or family member in need; or like many Americans, you could be working extremely hard, but just not being able to make ends meet. Bankruptcy attorneys understands your situation while realizing there is a better way to get back on your feet by using the Chapter 7 Bankruptcy Attorney services.

Let's examine the alternatives to Chapter 7 Bankruptcy to see how it makes the most sense. Other options are: Credit Counseling, Debt Consolidation, or Debt Settlement, all of which have serious flaws without providing timely closure that make Chapter 7 Bankruptcy, even though a serious undertaking, the superior course of action in a difficult situation. In Credit Counseling and Debt Consolidation, you cannot get rid of your debts like in Chapter 7 Bankruptcy, but rather you have to pay back all of your debts in full over a period of a couple of years where your interest rates and combined payment might not be much smaller than what you are currently paying, thus not providing the relief that a Chapter 7 Bankruptcy would.

When you file Chapter 7 Bankruptcy, you get immediate relief from the harassing phone calls and letters from angry creditors and bill collectors by law through the Fair Debt Collection Practices Act (FDCPA). Debt Settlement is where a company "settles" your debt for a fraction of what you owe, say 50%, if you're lucky. Debt Settlement companies charge outrageous, burdensome fees and have been the object of much needed new regulations and guidelines as they have been like "The Wild, Wild West." Also, Debt Settlement does not stop the harassing collection calls and you can still be sued by your creditors during this process as your creditors do not have to agree to Debt Settlement, unlike the immediate relief given when filing for Chapter 7 Bankruptcy.

Get immediate relief and peace of mind while getting your life back by contacting your local Chapter 7 Bankruptcy Attorney