Both are complicated legal proceedings that bear significant legal and financial consequences for your future. This process can be both daunting and confusing, and you may struggle to determine what information is reliable and who you can trust for sound advice.
Check out some of the following resources to help find straightforward answers to your bankruptcy questions.
Get Information from the Courts
For basic bankruptcy help and information, including current filing fees and necessary forms, check directly with the federal courts. The U.S. Courts website has a specific section for this type of legal claim with resources that describe the bankruptcy process and how debts may be discharged.
You can also find specifics about the legal code and the different chapters that can be filed, as well as a list of debtor education and consumer credit counseling agencies in your area. Beware, however, as the federal site, like many government resources, is somewhat convoluted and confusing to navigate.
Find Answers from the American Bankruptcy Institute
The American Bankruptcy Institute (ABI) is a helpful resource for those who need information about how to file. As a nonpartisan, multidisciplinary organization created to assist Congress and consumers with insolvency-related research and to provide bankruptcy help, the ABI offers unbiased information and answers to frequently asked questions.
Their website can help you decide if bankruptcy is the right choice for you. You also can find resources that can help put you back on the right financial track after the resolution of your legal claim.
Bankruptcy Help from a Qualified Bankruptcy Attorney
While the U.S. Courts and ABI can be relied upon for general information, bankruptcy law can be quite complicated, with long-term legal and financial consequences. On top of that, each state has differing requirements and restrictions. For this reason, legal experts strongly recommend you consult with an attorney in your state who is experienced in handling Chapter 7 and Chapter 13.
Although it is possible to file without a lawyer, errors anywhere in the process can cost time and money, and even jeopardize your claim. Beware also of paralegals who offer to assist you for a small fee, because they are not regulated nor held to the high standards and accountability that attorneys are.
An attorney can offer counsel on choosing the correct type of filing and negotiate or litigate for you if any of your creditors challenges the petition. And of course, a lawyer understands how to properly fill out the necessary forms and when and how to file the paperwork.
Best of all, at least for many people, your attorney will go to work immediately to stop the harassing phone calls and threats from creditors. The stress relief alone makes working with a bankruptcy lawyer well worthwhile.
In northern Utah, contact the experienced legal professionals at Lewis Adams and Associates in Salt Lake City if you are considering filing Chapter 7 or Chapter 13. This is no time to face the legal system on your own, especially when you can make one quick call and have all the bankruptcy help you need.