After trying everything that you could think to do, it’s become apparent that you need help. That help will be in the form of a personal bankruptcy. Since this is new territory for you, the most practical move is to consult with a Chapter 7 bankruptcy attorney Salinas. Here are some of the questions that you should go over with the legal counsel.
First, find out if you qualify for this type of personal bankruptcy. The results of the mean test will confirm if you do. There’s also the type of debt you’re carrying. Some debts cannot be dismissed in a Chapter 7. It may be to your benefit to go with a Chapter 13 instead.
You also want to understand how long the process will take. In the case of a Chapter 7, the entire process can usually be completed in a few months. You will need to comply with the court’s requirements during this time. Your attorney will ensure you know what must be done.
Last, you wonder what to do about queries from your creditors. As your Chapter 7 bankruptcy attorney Salinas will explain, the court will notify them about the pending bankruptcy action. If any creditor attempts to pursue collections from you, notify your attorney immediately. That information will be relayed to the court, who will then deal directly with the creditor.
If you have any other questions about the bankruptcy action, feel free to ask your attorney. Once you know more and decide what you want to do, it will be easier to look forward to the day when you have the fresh start that you need.
