Do I Need an Attorney to File for Bankruptcy?
While bankruptcy laws do not require debtors who file for bankruptcy to have an attorney, it is a good idea to hire one anyway. There are several factors that you should consider when determining if you need an attorney to help with your bankruptcy filing, including:
- If you are filing for Chapter 7 or Chapter 13 bankruptcy
- The total amount of income and property you posses
- How complicated your bankruptcy situation is
- How comfortable you are with handling your own bankruptcy case
If you have a very simple Chapter 7 bankruptcy filing, you may be able to successfully file without an attorney. This means that your household income is below the state’s median income level, you have little or no property and your creditors are unlikely to claim your debts are non-dischargeable. However, even filing a simple Chapter 7 bankruptcy requires time and research on your part. If you do not know what you are doing, your bankruptcy filing may not be successful.
When Should I Hire an Attorney?
If you want to ensure your bankruptcy is successfully completed and you have support and help throughout the entire process, call a bankruptcy attorney like those at the Oswalt Law Group in Phoenix. Even filing a simple bankruptcy can be daunting without an attorney. If you know you cannot manage the entire bankruptcy process on your own, it is in your best interest to speak with a bankruptcy attorney and get help preparing your case the right way. A bankruptcy attorney will be sure that your bankruptcy is filed properly and that all appropriate information is given to the court. The Oswalt Law Group offers the help of experienced and professional bankruptcy attorneys. Though we are located in Phoenix, Arizona, we offer our services statewide. Filing for bankruptcy is a stressful process, but it can offer you a fresh financial start, free from debt. When you are facing a high amount of debt and are unable to repay it, you will likely feel even more stress, especially when you are being constantly harassed by debt collectors. When you file for bankruptcy, the law requires debt collectors to cease any debt recovery tactics, from foreclosures to harassing phone calls. If you are ready to take the next step towards a brighter and debt-free future, consider filing for bankruptcy. The team at the Oswalt Law Group are here to help you from start to finish.