Chapter 13 Bankruptcy, Also called the Repayment Type Bankruptcy
If you have filed for bankruptcy from the last 7 years, then this is the bankruptcy option for you. There are exceptions, and the best way to know if you do qualify for any other type of bankruptcy and fall into that exceptions then give your attorney a call and get "legal advice". Dont' fall for the Free consultation bit, I know it will not help you and their so called Free advice or Free Consultation is to close you on the deal, that may or may not be in your best interest but it is for the law office.
Now that we got that out of the way, if you are around southern California in the riverside county, then I fully recommend the best attorney for your situation. Ask for a Legal advice over the phone, so that you can make a better decision about your personal or business bankruptcy. Now the attorney for Moreno valley residents normally charge upwards of $250 an hour, you can get that legal advice for FREE.
Chapter 13 is about repayment plans, paying back the creditor at a negotiated balance or monthly payments set by the bankruptcy courts, by the Trustee. How you go about this requires a better handling of your paperwork, it's best left with the experienced attorney that deals with chapter 13 filings rather than you trying to save money and file it yourself. Yes I know, money is tight and you are the DYI kind of person, but not for these types of important decisions in your life. Why, because it can have a karma in the later years that may affect you when you are finally turning your life around and making the income. Another reason is if and when the creditors are notified with your filing, and try to appeal to that court about the balance and payment, you want an overwhelming advantage to answer and "adverse creditor petition". No Paralegal that saved you money to file the bankruptcy forms will take a second to help you, because they can't. They are not licensed attorneys or practice law, like an experienced lawyer here in Moreno valley or riverside county.
Saving a few hundred may not be your best route in filing your bankruptcy, personal or otherwise. Finding a bankruptcy attorney is now very critical to your approval with U.S. Bankruptcy Courts. They don't have time to help you or will they help you if you are trying to do it yourself. Do yourself a favor, in this situation it's best to pay for the best possible professional to handle your petition to get approved. You would want the best surgeon if you needed an operation, the best neurologist for your significant health decision. It's the same here for your financial health, specially when you are asking for approval with the U. S. Branch Government, the Bankruptcy Courts.
Now that we got that out of the way, if you are around southern California in the riverside county, then I fully recommend the best attorney for your situation. Ask for a Legal advice over the phone, so that you can make a better decision about your personal or business bankruptcy. Now the attorney for Moreno valley residents normally charge upwards of $250 an hour, you can get that legal advice for FREE.
Chapter 13 is about repayment plans, paying back the creditor at a negotiated balance or monthly payments set by the bankruptcy courts, by the Trustee. How you go about this requires a better handling of your paperwork, it's best left with the experienced attorney that deals with chapter 13 filings rather than you trying to save money and file it yourself. Yes I know, money is tight and you are the DYI kind of person, but not for these types of important decisions in your life. Why, because it can have a karma in the later years that may affect you when you are finally turning your life around and making the income. Another reason is if and when the creditors are notified with your filing, and try to appeal to that court about the balance and payment, you want an overwhelming advantage to answer and "adverse creditor petition". No Paralegal that saved you money to file the bankruptcy forms will take a second to help you, because they can't. They are not licensed attorneys or practice law, like an experienced lawyer here in Moreno valley or riverside county.
Saving a few hundred may not be your best route in filing your bankruptcy, personal or otherwise. Finding a bankruptcy attorney is now very critical to your approval with U.S. Bankruptcy Courts. They don't have time to help you or will they help you if you are trying to do it yourself. Do yourself a favor, in this situation it's best to pay for the best possible professional to handle your petition to get approved. You would want the best surgeon if you needed an operation, the best neurologist for your significant health decision. It's the same here for your financial health, specially when you are asking for approval with the U. S. Branch Government, the Bankruptcy Courts.