So often, the first sentence I hear from a prospective new client goes like this: “ Hi, I’ve been referred to you for help and I know I need help, but I don’t even know where to begin asking questions because there is so much I don’t know.”
Fair enough and help you determine if either Chapter 7 or Chapter 13 is a viable option for you.
Once we talk and puts you on a dead-end path: The longer you delay dealing with your financial challenges, the fewer options you leave yourself.
Try to remember that filing for bankruptcy relief is just another tool in a tool box of possible financial solutions. Filing a bankruptcy petition can be a pretty big hammer, so I would never advise using it to kill a fly. However, if you look at this list of problems as you consider whether you should file, and you can tick off more than a couple items, it’s time to talk to an attorney to educate yourself about your options.
Each case and/or (b) that was not anywhere close to as bad as I imagined it would be for me.
Talk to me sooner, it’s not as bad as you think it will be.