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  • Traits of a Quality Bankruptcy Lawyer

    Traits of a Quality Bankruptcy Lawyer

    Call: 888-297-6203

    Bankruptcy is often not the first choice for people struggling with financial issues. However, if you are contemplating bankruptcy, you probably have run out of every other option. Creditors hounding you for their dues, threatening you with dire consequences, etc. can make you quite vulnerable. Bankruptcy can put a stop to all collection actions including foreclosure, repossession, wage garnishment, etc. thanks to the automatic stay provision. However, filing for bankruptcy requires the guidance of experienced bankruptcy lawyers such as those of Los Angeles based bankruptcy law firm Recovery Law Group.

    Though People can file for bankruptcy without hiring a lawyer also, it is important that you sign on with a qualified bankruptcy attorney if you wish to seek bankruptcy discharge. This is because, filing for bankruptcy involves several documents and legal terminologies, which a layman is generally unaware of. Any incorrect information or missing document can lead to dismissal of your case. It is therefore important that you choose your bankruptcy attorney with care. Here are some points to look for while hiring a bankruptcy lawyer for your case:

    • Bankruptcy involves the filing of documents along with bankruptcy fees. A lawyer who is experienced in the procedure will require some fees for themselves too. Since you are already short on money, it is important that you see the previous success rate of the lawyer before investing money in them. Once hired, the bankruptcy attorney will oversee all the proceedings and filings for your case.
    • Since laws vary from state to state, it is important that the lawyer you choose is well-versed with the state laws, so that you can get a timely bankruptcy discharge.
    • Regular updates and changes are part of the legal system. The potential lawyer you are hiring should be aware of the 2005 bankruptcy code changes so that you don’t end up with any losses.
    • Communication is vital in such an important case. If you are unable to communicate freely with the attorney regarding your financial matters, you will be in big trouble.

    In case you are looking for expert bankruptcy lawyers Los Angeles, you can call 888-297-6023 to schedule an appointment.


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    • Homeowner’s Equity in Chapter 7

      Homeowner’s Equity in Chapter 7

      Call: 888-297-6203

      Filing for bankruptcy is a tough decision for people. This is like admitting that they have been unable to manage their finances in a responsible way. However, once you have run out of options to get rid of your debts, filing for bankruptcy might be ideal. Individual debtors can choose from Chapter 7 or Chapter 13 bankruptcy, though most prefer the former over latter. It is important to remember that while getting rid of debts, you might end up losing some of your assets when you file for Chapter 7 bankruptcy. As per lawyers of Los Angeles based law firm Recovery Law Group, the government has provided exemptions which can help people protect their assets during bankruptcy proceedings.

      Bankruptcy is a way to allow people to start their lives with a clean slate. This can happen if they are able to retain essentials for living like a home, a vehicle, household furnishings, etc. Both state and federal government offer exemptions, though, it will be foolish to assume that you will be able to save all your assets when you file for bankruptcy. Compared to Chapter 13 bankruptcy, Chapter 7 offers lesser flexibility and lower exemption.

      Bankruptcy filers can choose between federal and state exemptions to protect the equity in their property. The bankruptcy attorney can guide you as to which would be most beneficial for you. If, however, you intend to file for Chapter 7 bankruptcy and are able to qualify for it, it is important that you are aware of the amount of equity you have in your home as well as the amount of equity exempted as per your chosen set of exemptions. Though growing equity in the house is great; but, if you wish to retain your house, having low equity on your home would is an asset.

      The legal language might be complex for ordinary people and therefore it is important for you to hire experienced bankruptcy lawyers for your case. While considering bankruptcy, it is vital that you are aware of the specific requirements of the state and the chapter of bankruptcy you are filing under. Filing for bankruptcy without understanding the complications can drag you into problems worse than you are already facing. To consult with expert bankruptcy lawyers, you can call 888-297-6023 and schedule an appointment.


        *Are you more than 60 days past due on your mortgage?

        *Do you own a home?

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        By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

      • Can Adding a Person Who Has Filed for Bankruptcy as an Authorized User to Your Credit Card Affect Your Credit Scores?

        Can Adding a Person Who Has Filed for Bankruptcy as an Authorized User to Your Credit Card Affect Your Credit Scores?

        Call: 888-297-6203

        Nothing affects your credit score as a bankruptcy. People who have been through bankruptcy procedure will vouch that rebuilding credit can take a lot of time. One of the ways you can improve your credit score is by asking a family member or a friend to add you as an authorized user on their credit card. This will be beneficial for a fresh out of bankruptcy person. However, it is a point of concern for the individual who adds a bankrupt person to their credit card. Many people have their doubts about having a bankrupt person as an authorized user on their credit card. Can this action affect their credit scores negatively too?

        As per lawyers of Dallas based bankruptcy law firm Recovery Law Group, adding any person as an authorized user to your account will not affect your credit report. Their bankruptcy is in no way related to your credit history. Credit history of both; the authorized user and the card owner are separate and includes accounts and public records mentioned in their respective names. Both, the bankruptcy public records and the previous credit history of authorized user will not be merged with your credit history. However, this account might be added to the authorized user’s credit report as they have become associated with this debt too.

        Adding someone as an authorized user to your credit card is a risky decision. Since you are the primary cardholder, any charges made by the authorized user are your responsibility too; especially if the authorized user fails to make payment for them. In case, you are unable to make payments on time due to additional charges, this will end up affecting your credit scores. Before agreeing to become a good Samaritan to help a friend or family member out, it is important to know the possible issues you might have to face. Consulting with expert bankruptcy lawyers at 888-297-6023 can give you numerous options.


          *Are you more than 60 days past due on your mortgage?

          *Do you own a home?

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          By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

        • What is Bankruptcy?

          What is Bankruptcy?

          Call: 888-297-6203

          It is not uncommon to find people struggling with finances. You will find several People struggling with debt every year in the U.S. Bankruptcy has emerged as a popular way to get rid of a huge amount of debts. Consumers can file for bankruptcy under Chapter 7 or Chapter 13 and these are reflected in the consumer’s credit report. According to Dallas based bankruptcy law firm Recovery Law Group in Chapter 13, you end up repaying a portion of your debt as per a court-approved repayment plan over a course of 3-5 years. Due to this, the bankruptcy information remains on your credit report for seven years from the date of filing. In the case of Chapter 7 or liquidation bankruptcy, your entire debts are forgiven. Since no debt is paid to the creditors, this type of bankruptcy remains on the credit report for 10 years from the date of filing.

          Though bankruptcy can affect your credit report negatively and can have detrimental effects on your credit history as well as your credit score, it can also provide you with a reality check and a fresh start. People who have already been having bad credit get a chance to make amends and start afresh. If you wish to know more about bankruptcy and your other options, contact expert bankruptcy lawyers at 888-297-6023.


            *Are you more than 60 days past due on your mortgage?

            *Do you own a home?

            Are you currently working?

            By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

          • While Filing for Bankruptcy Avoid Making These Mistakes

            While Filing for Bankruptcy Avoid Making These Mistakes

            Bankruptcy can change the way you live. However, if you want it to not affect your life negatively, it is important to know what to avoid prior to filing for bankruptcy. According to lawyers of Los Angeles based bankruptcy law firm Recovery Law Group, many people skirt around bankruptcy laws in order to protect their assets. It is important to understand that the bankruptcy court does not approve of certain tactics, usage of which might result in the dismissal of your bankruptcy petition or filing of criminal charges against you. the latter might cost you dearly, not just in terms of finances but also a time in jail. These are some of the common mistakes you should avoid prior to bankruptcy filing –

            • Hiding your assets

            While filing for bankruptcy, you are expected to declare your income as well as your assets to find out your ability to pay off your creditors. Chapter 7 bankruptcy requires you to pass a means test in which your monthly income should be less than the state median for a household of similar number of members. Since Chapter 7 results in the discharge of all debts, people often hide their assets in order to qualify for it. If bankruptcy trustee discovers you are lying about your assets, this could result in dismissal of your case, or you might be banned from filing for those debts again. Similarly, hiding creditors won’t help you either.

            • Not hiring a lawyer

            Bankruptcy laws are quite complex. trying to handle your bankruptcy case on your might not be the best thing to do. You might end up missing one of the final details which might be the difference between getting your bankruptcy discharged or getting your case dismissed. Attorneys are aware of the various ways in which you can protect your assets. They can also you help you choose the best chapter to file bankruptcy under. Moreover, they can make you aware that certain debts are not discharged even after bankruptcy, such as child support, income tax debt, student loan, etc. It is therefore advisable to contact expert bankruptcy lawyers at 888-297-6023 to get rid of debts.

            • Transferring property to family or friends

            Giving assets to family or friends in order to protect them from becoming a part of your bankruptcy estate, can have repercussions on your bankruptcy case. In case you have sold it at less than the market rate, the deal can be turned over by the bankruptcy trustee.

            • Running up huge credit

            If you run the risk of accumulating a huge amount of debt on credit cards just before filing for bankruptcy, it is construed as fraud. The creditor can challenge the discharge of debts if they believe you were trying to cheat them. This will result in the debts remaining even after your bankruptcy ends. Any credit card purchase made 90 days prior to filing for bankruptcy is not included in the debts. You might have to end up paying those creditors and could also be accused of fraud. Similarly, avoid taking on new debt of you are contemplating to file for bankruptcy.

            • Raiding your pension funds

            Most people do not realize that their pension funds are protected from creditors through exemptions. Using money from those accounts to pay your creditor is a bad move, especially since you are using protected money to pay off debts which might be discharged during bankruptcy. Additionally, paying one creditor while ignoring others is not advisable. Pension accounts like 401(k), IRAs, etc. are exempted and cannot be touched by even bankruptcy trustee.


              *Are you more than 60 days past due on your mortgage?

              *Do you own a home?

              Are you currently working?

              By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

            • Should You opt for Bankruptcy Or Debt Consolidation?

              Should You opt for Bankruptcy Or Debt Consolidation?

              If you are under debt, don’t worry; you are not alone. There are lots of people sailing in the same boat as you. There can be numerous reasons for accumulating debts such as sudden medical expenses, loss of a job, increase in mortgage, high tuition fee or buying a new vehicle. Fortunately, there is help available to get rid of huge amounts of debts; the most popular being bankruptcy. It is often the most feared and misunderstood option according to Dallas based bankruptcy law firm Recovery Law Group. Other options like debt consolidation, debt management, and debt settlement are equally viable.

              Bankruptcy

              People can end up having a huge amount of debt, even if they are earning well. There are different chapters of bankruptcy through which individuals can get rid of their debts. While Chapter 7 allows you to discharge all your debts in a relatively less time frame, it can be effective for people who have a monthly income less than the state mean for a household of a similar number of people. Chapter 13 on the other hand, allows you to repay some portion of your debt (depending on your disposable income) while getting rid of the remaining at the end of your repayment plan which takes 3 to 5 years. In both cases, your credit rating takes a dip, which means you will not be able to get a loan for some time. Moreover, bankruptcy records are public, i.e. your reputation is under the scanner, your potency to land up a job will be hampered.

              The repercussions of bankruptcy can affect you for a long time, hence it is important to consider other options before filing for bankruptcy. Alternatives to bankruptcy include using credit counseling, debt consolidation, etc. Even filing for bankruptcy includes going for counseling with an accredited counselor. As per credit counselors, there are three alternatives to bankruptcy; debt management, debt settlement, and debt consolidation.

              Debt management

              If you have income enough to afford the monthly payment, you can opt for this arrangement. Since you are not taking another loan, it becomes easy to repay the debt with the credit counselor working out a plan with lenders. A lower interest rate results in reduced monthly payments thereby making it easier to repay the principal amount. Late fees can also be eliminated. However, if you miss on payments, the deal can be revoked, and the interest rate hiked back. This may take nearly 3 years to get rid of debt. This also affects your credit report but unlike bankruptcy, debt management notation is removed as soon as you finish the plan.

              Debt settlement

              This is a risky option specially designed for people who are not able to make minimum monthly payments. Debt settlement companies take control of credit card debts. You need to make payments to them, and they will make a settlement offer to the lender, wherein the lumpsum amount is paid to them to settle your debts. You can reduce your debt by nearly 50%, however, there is no guarantee for success. The process (if agreed upon by card companies) can take somewhere between 3 and 4 years. Including the late/non-payment penalty, fees for debt settlement services, etc. you can save 20% of the amount. The credit report shows this for the next seven years.

              Debt consolidation

              You can consolidate loan from a bank, online lender or credit union and on its approval can pay off your entire credit card debt. The interest rate is generally lower than normally present on credit cards, thereby reducing monthly payments. Your assets are used to secure the loan, thereby putting them at risk if you fail to make payments. This also opens a new credit line which can end up affecting your credit score.

              Whatever your circumstances, it is important to make sure that you continue making payments to get rid of debt, preferably focussing on paying the highest interest rate debts first. In case you wish to know which option from those mentioned above will best suit you, consult with expert bankruptcy lawyers at 888-297-6023.


                *Are you more than 60 days past due on your mortgage?

                *Do you own a home?

                Are you currently working?

                By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

              • Worried About Huge Debts? Bankruptcy Help is Available

                Worried About Huge Debts? Bankruptcy Help is Available

                Financial troubles can hit anyone anytime, however, this should not be the cause of worry for you. People have come out of worse conditions unscathed. According to Los Angeles based bankruptcy law firm Recovery Law Group, bankruptcy is one of the best ways to get rid of a huge amount of debts without causing much strain on your life. There can be several reasons why a person ends up accumulating large amounts of debts, such as bad financial decisions, unexpected job loss, huge credit card bills, sudden medical emergencies, etc. Irrespective of the reason, bankruptcy can help you take control of your finances. An experienced bankruptcy attorney can help you deal with the finer nuances of bankruptcy. Call expert bankruptcy lawyers at 888-297-6023 to find out the best possible way of getting rid of debts.

                What to do when facing bankruptcy?
                For people who have been facing bankruptcy for the first time, things may seem a bit daunting. However, the system is available to help first-timers as well as those who have previously had the misfortune of filing for bankruptcy. The government, through the Justice Department, offers basic information regarding bankruptcy in various languages. Several websites also help in providing information regarding matters pertaining to bankruptcy. You can browse through the concerned official and legal websites and opt for a free legal consultation with experienced bankruptcy lawyers to determine which chapter of bankruptcy would suit you best.

                Bad financial conditions can often drive any individual to the extreme. However, help is available in the form of bankruptcy. To get the best possible solution, it is important to consult an expert bankruptcy attorney and discuss your case and finances with them. It is also important to understand what your expectations from the case are. After consultations and keeping your requirements in mind, the appropriate chapter is chosen to file bankruptcy under.


                  *Are you more than 60 days past due on your mortgage?

                  *Do you own a home?

                  Are you currently working?

                  By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

                • Good News for Chapter 7 Debtors! Cannot Have Two Pending Cases Simultaneously Says Court

                  Good News for Chapter 7 Debtors! Cannot Have Two Pending Cases Simultaneously Says Court

                  For most people, filing for bankruptcy is the best legal way to get rid of insurmountable debt. Of the two chapters in which individuals can file for bankruptcy, Chapter 7 is preferred since it takes relatively less time to get discharge and thanks to the various exemptions, you are able to protect almost all your property. However, if despite filing for bankruptcy under Chapter 7, you are unable to get a discharge, it can result in huge stress on the individual. According to Dallas based bankruptcy law firm https://bankruptcy.staging.recoverylawgroup.com/, such an incident occurred with an individual who had filed for Chapter 7 bankruptcy. Despite the trustee filing a no-asset report, the case remained open and the debtor did not receive a discharge. After nearly 2.5 years the debtor filed a Chapter 13 bankruptcy case to get rid of the accumulating debts, however, this time, there was no lawyer involved.

                  Since there exists a “Single Estate Rule” a debtor cannot have two bankruptcy cases pending simultaneously in court. This is because everything you own becomes part of the bankruptcy estate. Since your belongings remain unchanged, the same bankruptcy estate cannot be a part of two cases at the same time. If a debtor files for a Chapter 13 bankruptcy Dallas case before they got a discharge in a previously filed Chapter 7 case, the latter one is nullified. Since the debtor had filed the Chapter 13 bankruptcy case without an attorney, the court had given the leeway to the client to consult an attorney to consider which of the two bankruptcy cases (Chapter 7 or Chapter 13) dismissed. Thus, having an attorney by your side can make things easier for you. In case you would like to consult your case with expert bankruptcy lawyers call 888-297-6023.


                    *Are you more than 60 days past due on your mortgage?

                    *Do you own a home?

                    Are you currently working?

                    By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

                  • Everything You Needed to Know About Bankruptcy and Divorce

                    Everything You Needed to Know About Bankruptcy and Divorce

                    There is no denying the fact that both bankruptcy and divorce are an emotionally disturbing sequence of events which can cause drastic changes in your life. If anything can be worse than these two, say Dallas based bankruptcy law firm https://bankruptcy.staging.recoverylawgroup.com/, is having to undergo both at the same time. Since both the issues are equally important, you will be needing the assistance of expert attorneys if you wish to file for both simultaneously. Though it is manageable, however, it is often suggested to avoid filing for both together. If you have any doubt regarding which should precede, you need to consult with expert bankruptcy lawyers at 888-297-6023.

                    Filing for bankruptcy and filing for divorce can take a toll on you. Not only is the situation extremely stressful, but it also requires your time and attention on two different yet equally important aspects of your life. It is therefore important that you file for both of them at different times if possible. many lawyers suggest that filing for bankruptcy should be done prior to filing for divorce, while others suggest the opposite. Since the individual situation varies from client to client, there are no hard and fast rules recording what should be done in such a situation. Generally, people opt for whatever works in their favor.

                    In case, the divorce between the spouses is to be resolved amicably, filing for bankruptcy jointly would help you save on bankruptcy filing fees as well as protecting you against the debt which both of you had accumulated. This works best in case of couples having joint property. Moreover, filing for bankruptcy often simplifies your assets and debts when you go through a divorce. However, the downfall of filing for bankruptcy jointly is that you might be disqualified from filing for chapter 7 bankruptcy due to the joint income which is higher than the average income of the state.

                    Some debts are eliminated when you file for a Chapter 7 bankruptcy; while others survive bankruptcy and you must continue paying for them. Liabilities which survive bankruptcy include court fines, government fines, certain taxes, student loans, alimony and child support. Irrespective of the terms of your divorce, you are liable for the above-mentioned debts and would have to continue paying for them. It is therefore important to find an attorney who guides you through these life-altering changes in a manner that helps you resume your life after these events.


                      *Are you more than 60 days past due on your mortgage?

                      *Do you own a home?

                      Are you currently working?

                      By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

                       

                    • You Might Have to Face These Questions from Bankruptcy Trustee

                      You Might Have to Face These Questions from Bankruptcy Trustee

                      Filing for bankruptcy results in a lot of paperwork. You need to ensure your income; assets and your debts are in order. Filing for bankruptcy results in a creditors meeting (also known as 341 hearing) where you are required to provide confirmation for any information you have given.  The meeting is attended by you and your attorney, your bankruptcy trustee and even your creditors. According to Dallas based bankruptcy law firm Recovery Law Group, the bankruptcy trustee can ask you questions to find out details of your bankruptcy estate. The entire proceeding takes place under oath, so you should avoid lying or you might end up perjuring yourself. Having a consultation with expert bankruptcy lawyers at 888-297-6023 will help you prepare for your 341 meetings.

                      Some of the most common questions your bankruptcy trustee might ask to include:

                      • If you are familiar with the information provided in your bankruptcy paperwork?
                      • If all the information provided in bankruptcy papers is complete and accurate?
                      • Have you listed all your property in the papers?
                      • Have all your creditors been listed in your bankruptcy schedule?
                      • Have you reviewed and signed the bankruptcy petition and schedules prior to filing them?
                      • Have you filed for bankruptcy earlier?
                      • What is your gross monthly income?
                      • Do you wish to make any changes in your papers?
                      • Are you paying any alimony or child support?
                      • Have you filed previous tax returns?
                      • Have you made any transfer of property within the last two years?
                      • Have you made any new charges to your credit cards?
                      • Which creditors have you paid within a year of your bankruptcy?
                      • Have you had your property valued?
                      • What method did you use to get your property valued?
                      • Is your car or home insured?
                      • Do you have business, corporation or partnership?

                      Having a bankruptcy attorney can be an asset as they can help you deal with the entire process of bankruptcy including the questions asked by the trustee. They can help you by –

                      • Gathering documents related to your case.
                      • Help to prepare the paperwork essential for the 341 meetings.
                      • Submit related documents before the trustee either before, during or after the hearing.
                      • Manage financial information for you including your assets and expenses.
                      • Ensure that all your paperwork is accurate, complete and compliant with the state laws.
                      • Answer all questions asked by bankruptcy trustee during the meeting.
                      • Try their best to minimalize your financial loss.


                        *Are you more than 60 days past due on your mortgage?

                        *Do you own a home?

                        Are you currently working?

                        By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.