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Three Things to Discuss with Your Bankruptcy Attorney before You File

Bankruptcy can be one of the smartest financial decisions you ever make, but it is important you understand everything you can about the process before making the commitment. Bankruptcy will affect your credit rating and in the case of Chapter 13 bankruptcy, you will be obligated to commit to a repayment plan. In order to ensure you are making the right decision based on your circumstances, you should speak with a bankruptcy expert about the following:

Whether Bankruptcy is Your Best Option Based on the Pros and Cons and Your Circumstances

Bankruptcy is not right for everyone, so you need to review your situation with an expert. First, you must determine if bankruptcy is even an option and if it is, whether it is one of the preferred options. You will also want to discuss the different types of bankruptcy and determine which option is best for you.

Bankruptcy can help some people eliminate debt entirely, while for others it is a way to let them catch up on their bills and continue living in their home. On the other hand, bankruptcy does have negative aspects, so you should be sure to understand all sides of the issue before moving forward.

Where You Begin If You Decide to Go Through with Filing

Bankruptcy is a process and it can be complicated, even for those who are relatively familiar with the details. Understanding what happens at the beginning, middle, and end of a bankruptcy is important. Your initial filing must be accurate and complete, and you must follow through on any commitments you make.

Discuss with your bankruptcy attorney where to begin and what you need to know about each step of the process. List any important meetings or dates in your calendar, and ensure that all of the information the courts require is submitted in a timely fashion.

The Cost of Your Bankruptcy

Bankruptcy is not free, which might seem counterintuitive to your current financial goals. Fortunately, the price you pay for bankruptcy could be enough to save your home from foreclosure and get your financial future back on track. Make sure you understand all of the fees in advance and verify with your attorney there will be no surprise charges along the way. Ask that the fees associated with your bankruptcy be given to you in writing so you can plan accordingly.

To take a closer look at the cost of filing bankruptcy, check out this article from US News and World Report.

The bankruptcy process can be complicated, but an experienced attorney can make things easier. If you are interested in learning more about bankruptcy or you are ready to schedule a consultation, Contact the Law Offices of Robert M. Geller at 813.254.5696.

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At the Tampa Bay law firm, the Law Offices of Robert M. Geller, P.A., we help people with consumer bankruptcy matters in the Tampa Bay-St. Petersburg,  Florida communities such as Clearwater,     St. Petersburg, Tampa, Thonotosassa, Riverview, Lutz, Plant City, Brandon, Carrollwood, Wesley Chapel, St. Petersburg Beach, Lakeland, Mulberry, Dade City, Pinellas Park, Largo, Seminole, Odessa, Oldsmar and Lithia, and counties such as Hillsborough County, Pinellas County, Pasco County, Polk County and Manatee County.