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Benefits of Bankruptcy

Filing for bankruptcy is a complicated, emotional process. It takes more work and time than most people realize, but it can also be the right solution for significant debt issues.

Don't get down about growing past due balances or creditors calling at all hours, credit card debt or overdue medical bills. If you take immediate action, you can get help before it's too late! You may qualify for protection under the U.S. Bankruptcy Code, and filing bankruptcy may help you regain control of your financial future.

For some, filing Chapter 7 bankruptcy offers the opportunity to discharge unsecured debts and get started on the path back to financial stability. For others, filing Chapter 13 bankruptcy allows the repayment of secured debts like their mortgage debt over time.

Consult with a bankruptcy attorney or educate yourself on your options you may find that filing for bankruptcy could help you out of a difficult financial bind.

Most filers find that bankruptcy eases stress by stopping:

• Collections agency calls or harassment
• Debt lawsuits from creditors
• Wage garnishment (creditors taking money from your paycheck)
• Foreclosure (unless the property has already sold)
• Repossession of some property (in Chapter 13)
• Bankruptcy will also:
• Get rid of many debts (in Chapter 7)
• Protect some property from being sold (depending on exemptions in your state)
• Put an end to growing debt and give you a fresh start to turn things around

What Can Filing Bankruptcy Do For Me?
(1) Are you a good, honest, hardworking American?
(2) Good, then don’t beat yourself up.
(3) Get the help you need and get it fast!
(4) Get released from debt you can't pay.
(5) Break out of the minimum payment trap.
(6) Lower your total monthly payments by hundreds of dollars.
(7) Stretch out the payment of overdue mortgage and vehicle payments.
(8) Get released from certain old marital debts.
(9) Get rid of certain older income taxes.
(10) Get rid of mortgage foreclosure deficiencies.
(11) Get rid of repossession deficiencies.
(12) Keep and protect property.
(13) Stop nasty creditor calls.
(14) Stop repossessions of vehicles.
(15) Stop foreclosure on your home or other property.
(16) Stop legal action.
(17) Start rebuilding your credit.
(18) On the softer side,
(19) Start enjoying life again without the worry of bills.
(20) Reduce your stress level.
(21) Start putting your family first. Start sleeping at night.
(22) Get your life back.
(23) Get in a position to quit the second or third job.
(24) Start your life moving forward again.
(25) Feel like you stood up and took control.

Who Files Bankruptcy?

Most individuals and business who file for bankruptcy have far more debts than money to cover them and don’t see that changing anytime soon. In 2020, bankruptcy filers owed $86 billion and had assets of $56 billion. Most of those assets were real estate holdings, whose value is debatable.

On the other hand, bankruptcy can often be used as a financial planning tool when you do have enough money to repay debts, but need to restructure the terms. This is often in cases when people need to repay mortgage arrears or taxes in a structured repayment plan.

What is surprising is that individuals – not businesses – are the ones most often filing for bankruptcy. They owe money for a mortgage, credit card debt, auto loan or student loan – perhaps all four! – and don’t have the income to pay for it. You deserve a new life now! Free Consultation Click Here

There were 774,940 bankruptcy cases filed in 2019, and 97% of them (752,160) were filed by individuals. Only 22,780 bankruptcy cases were filed by businesses in 2019.

The other surprise is that most of the people filing bankruptcy were not particularly wealthy. The median income for those who filed Chapter 7, was just $31,284. Chapter 13 filers weren’t much better with a median income of $41,532.

Part of understanding bankruptcy is knowing that, while it is a chance to start over, it definitely affects your credit and future ability to use money. It may prevent or delay foreclosure on a home and repossession of a car, and it can also stop wage garnishment and other legal action creditors use to collect debts.You deserve a new life now! Free Consultation Click Here

Why Declare Bankruptcy?

Here are some things that clients are always telling us: I wish I had come in sooner.
(1) I should have filed years ago.
(2) I feel like I have my life back again.
(3) I had no idea bankruptcy worked like this.
(4) I thought I was the only person in trouble.
(5) I thought I was going to lose all my property.
(6) I had no idea there were so many people in debt.
(7) I didn’t realize filing bankruptcy would be so easy.
(8) I thought filing bankruptcy meant I was a bad person.
(9) I didn’t think there was any solution to my debt problems.
(10) I thought that if I filed bankruptcy, everyone would know.
(11) I didn’t know that filing bankruptcy could get so much pressure off me.
(12) I didn’t know that bankruptcy is a law designed to help me not hurt me.
(13) I thought that if I filed bankruptcy, I would still have to pay the debts back.
(14) I thought filing bankruptcy meant I would never be able to buy anything again.
(15) I didn’t know I might be able to file bankruptcy and still keep my car and house.
(16) I didn’t know that a lot of good, honest, hard-working people have debt problems.
(17) I didn’t know that filing bankruptcy would help give a “fresh start” and a “second chance”.

The obvious answer for why you should declare bankruptcy is that you are drowning financially and no one – not banks, not online lenders, not family or friends – will throw you a lifeline.

The millions of people who lost their jobs or businesses because of the coronavirus, have some hope because of bankruptcy. They still had bills to pay, and in many cases, no way to handle them. That’s what bankruptcy was meant to address. It’s not a bailout. It was created to give people a chance to get back on their feet financially and restore their peace of mind.

If your bills have grown to levels your income simply can’t handle, having your debts discharged through bankruptcy is a safe, legal and practical choice. You deserve a new life now! Free Consultation Click Here

How to File for Bankruptcy

Filing for bankruptcy is a legal process that either reduces, restructures or eliminates your debts. Whether you get that opportunity is up to the bankruptcy court. You can file for bankruptcy on your own, or you can find a bankruptcy lawyer, which most experts regard as the prudent avenue to pursue.

Bankruptcy costs include attorney fees and filing fees. If you file on your own, you will still be responsible for filing fees. If you can’t afford to hire an attorney, you may have options for free legal services. If you need help finding an affordable bankruptcy lawyer or locating free legal services, check with the American Bar Association for resources and information.

Before you file, you must educate yourself on what happens when you file for bankruptcy. It’s not simply a matter of telling a judge “I’m broke!” and throwing yourself at the mercy of the court. There is a process – a sometimes confusing, sometimes complicated process – that individuals and businesses must follow.

The steps are:

• Compile financial records: List your debts, assets, income and expenses. This gives you, anyone helping you, and eventually the court, a better understanding of your situation.
• Get credit counseling within 180 days before filing: You can’t file for bankruptcy until you’ve gone through a required bankruptcy counseling. It assures the court you have exhausted all other possibilities before filing for bankruptcy.

  The counselor must be from an approved provider listed on the U.S. Courts website. Most credit counseling agencies offer this service online or over the phone, and you receive a certificate of completion once it’s done that must be part of the paperwork you file. If you skip this step, your filing will be rejected.

• File the petition: If you haven’t hired a bankruptcy lawyer yet, this might be the time to do it. Legal counsel is not a requirement for individuals filing for bankruptcy, but you are taking a serious risk if you represent yourself.

  Understanding federal and state bankruptcy laws, and knowing which ones apply to your case, is essential. Judges are not permitted to offer advice, and neither are court employees.

  There also are many forms to complete and some important differences between Chapter 7 and Chapter 13 that you should be aware of when making decisions. If you don’t know or follow the proper procedures and rules in court, it could affect the outcome of your case.

  Without legal advice, you’re also running a risk that the bankruptcy trustee can seize and sell your property.

• Meet with creditors: When your petition is accepted, your case is assigned to a bankruptcy trustee, who sets up a meeting with your creditors.

  You must attend, but the creditors do not have to. This is an opportunity for them to ask you or the court trustee questions about your case.

Filing bankruptcy is stressful, and it is not easy.

The decision as to whether to use an attorney should be taken very seriously. After all you will have many questions throughout the process and if you mess up badly, your case could end up being dismissed altogether. Because of the long-term legal and financial consequences, you need to strongly consider obtaining sound legal advice.

Federal bankruptcy laws were designed to help you. That's what they are for: to get you out of debt and back on your feet.

Now that the credit card companies have raised your minimum payments and forced your hand, in effect, declared war on your family, doesn't it make sense to at least find out how bankruptcy works and what it can do to protect your income, your family and your future?

Promise me this:
That you will keep an open mind about bankruptcy for at least a few minutes and while your mind is open, will you check out at least the following 2 topics:

What Filing Bankruptcy Can Do For Me?
Want to find out more about what bankruptcy can do for you?
You can.

Please Apply online Only for a FREE debt consultation Online Only Click Here
Are you sick and tired of making the credit card company rich at your family’s expense?
Are you sick and tired of borrowing from Maria to pay Judith, just to stay current?
Are you sick and tired of struggling just to make those minimum payments?
Are you sick and tired of not being able to buy any brand name products?
Are you sick and tired of other families doing better than your family?
Are you sick and tired of having your past control your future?
Are you sick and tired of worrying about bills all day long?
Are you sick and tired of not being able to go out to eat?
Are you sick and tired of living paycheck to paycheck?
Are you sick and tired of your family going without?
Are you sick and tired of not sleeping at night?
Don't you and your family deserve better?
There is another way. Bankruptcy.
Find out how it really works.
Find out how it helps.
Find out today.
Please Apply online Only for a FREE debt consultation Online Only Click Here

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