The Importance Of Retaining A Skilled Chapter 7 Bankruptcy Attorney
Posted on: 28 December 2020
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Debt can quickly overtake your life when you lose control of your finances. However, circumstances like getting sick or losing your job can cause you to lose your job or not earn enough money. You are then left with bills that you cannot pay.
Instead of trying to manage these expenses and hope that your wages will not be garnished, you can file for a Chapter 7 bankruptcy. You can file this legal action by first hiring a bankruptcy attorney.
Qualifying for Chapter 7
Before you can file for a Chapter 7 bankruptcy, you must first determine if you qualify for it. There is a means test that you must pass before you are allowed to file this type of case. If your income is above the means limit, you may have to take out a Chapter 13, or reorganization, bankruptcy instead.
Your lawyer can administer the means test in their office before you file any paperwork for your case. They can verify that you make below the means limit and therefore quality for filing to have your debts entirely liquidated.
Filing the Necessary Paperwork
After you pass the means test, you can then file your case. The filing of your case hinges significantly on getting the paperwork submitted to the federal court. This paperwork must be entirely in order before your case can get on the court's docket.
Your bankruptcy lawyer will know what kind of paperwork must be filed and can ensure that it is filed sufficiently and thoroughly. Your case can be filed in a matter of days, ensuring that the court schedules a hearing with the court's trustee.
Appearing in Court
Finally, your bankruptcy attorney can represent you in your court hearing. They can speak for you and answer most or all of the judge's questions. They can also advise you on how to answer so you do not jeopardize the outcome of your case.
Your attorney can likewise make sure that your creditors do not contact you after your case is filed. If they contact you after your case is filed, your creditors can be held liable for covering your legal expenses.
A bankruptcy attorney can assist you in filing for Chapter 7 bankruptcy. You can pass the means test to qualify for this type of filing. You can also get your paperwork filed and appear in bankruptcy court. Contact a bankruptcy attorney for more information.