Don’t feel bad if you need to remind your attorney about any specifics of your case. Don’t assume that they will recall every detail that you go over with them without a friendly reminder. Speak up, because it is your future on the line.
Hint After a bankruptcy, you may not be able to receive any credit cards. If you find yourself in this situation, you may want to think about getting a secured card or two.
Getting unsecured credit post-bankruptcy will likely be difficult. In this event, you should attempt to apply for a secured card or two. This will show other people that you’re serious when it comes to having your credit record in order. After using a secured card for a certain amount of time, you might be offered an unsecured card once again.
Do not give up hope. You may be able to regain property like electronics, jewelry, or a car if they’ve been repossessed by filing for bankruptcy. You may be able to get your property back if fewer than 90 days have passed between the repossession and are filing for bankruptcy. Get the advice of a qualified attorney who can advise you about ways to accomplish this.
Any bankruptcy consultation should be free of charge. Almost all lawyers will give a free consultation, so meet with more than one before making a decision on whom to hire. Only make a decision after you have met with several attorneys and all of your concerns and questions have been addressed. There is no need to offer an immediate hire, so take your time. This will give you extra time to interview several attorneys.
Find a bankruptcy attorney who offers free consultations, and ask lots of questions. Almost all lawyers will give a free consultation, so meet with more than one before making a decision on whom to hire. Decide which lawyer you like best buy reviewing all of the lawyers’ answers to your questions. Choose the lawyer who addressed your issues the best. You can think about your decision before making a commitment. Consulting with several attorneys will also help you find someone you trust.
Hint Be sure to enlist the help of a lawyer if you’re going to be filing for bankruptcy. It is difficult to make all of the necessary decisions yourself, and expert guidance will be helpful.
Take the time to find a simpler solution to your financial issues, before filing for bankruptcy. Those with smaller debts may find use in a program for consumer credit counseling. Sometimes you can negotiate a reduced payment, though you must strive to get it all in writing.
Safeguard your home. There are many options available to help protect you from losing your home. It may be possible to keep your home if the value has depreciated, or there is a second mortgage. Otherwise, try looking into house exemptions that may let you remain in the home if you meet certain financial threshold requirements.