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Should I File Bankruptcy?

bankruptcy attorneyTake a minute to answer the questions below:

  • Are you unable to pay your bills because you’ve lost your job, have become disabled or you are recovering from a serious illness or injury?
  • Are your mortgage payments behind and is foreclosure just around the corner?
  • Is your pay or bank account being garnished?
  • Do you have past due tax obligations or student loans?
  • Do you have so many debts you are unable to pay them and still have money for necessary items such as housing, food, gas etc.?

If you answered YES to one of more of the questions listed above, then you may need to talk to a qualified bankruptcy attorney to help you get some relief.

 Which type of bankruptcy is best for me?

  • If you need to restructure debt, catch up past due house payments and pay other debts such as past due taxes or student loans you may need to file a Chapter 13 Bankruptcy.
  • If you need to get rid of unsecured debt such as credit cards, medical debts or payday loans you may need to file a Chapter 7 Bankruptcy.

Once you file bankruptcy foreclosure proceedings will be stopped temporarily and garnishments will be eliminated. In addition, harassment from bill collectors should stop and if it does not, you can file a contempt action against them for violating the order that prohibits them from contacting you once the bankruptcy has been filed.

Your bankruptcy attorney can help you decide which type of bankruptcy will work best for your situation.