Some people who are in serious financial trouble have no choice but to file for bankruptcy. Before they file, it is a good idea for them to seek help from an attorney who assists individuals in bankruptcy in Fairfield, OH. There are several things that an attorney can do for them that they cannot do for themselves.
Knowing Which Type of Bankruptcy to File For
There are two types of bankruptcy that an individual can file for. The first is chapter 7. This type of bankruptcy allows the person is filing to lose all unsecured debt. The second type is chapter 13. This type of bankruptcy gives the individual more time to pay off their debt. It would take a bankruptcy attorney to help determine which type of bankruptcy the individual would qualify to file for, and which would be most beneficial.
Stop the Harassment
Creditors can be ruthless. They will call a person who owes them money on the phone several times a day, at all hours. They will send letter of demand after letter of demand. When a person hires an attorney who assists in bankruptcy in Fairfield, OH the harassment will stop. The individual would give the creditor the phone number of their attorney so the creditors can forward the calls to them.
No More Fear of the Unknown
Filing for bankruptcy can be scary for some people. Many people are afraid of what they don’t understand, and many people don’t understand bankruptcy. When a person hires an attorney, they will have someone to walk them through the process step by step from the time that they file all the way until they have the hearing to have their debts discharged When they have the help of an attorney, suddenly the process is not so scary.
No Chance of Making a Mistake
Bankruptcy is a very complicated process. If mistakes are made, the application could be denied, or the individual may not make it through to the discharge hearing. When they hire a bankruptcy attorney, there is no risk of them making a mistake that could ruin their chances of a successful outcome.
Individuals should have representation handling their bankruptcy. For more information, schedule an appointment.