Time is money.

Russell K. Marshall


Make sure accuracy is spot on. Your attorney may be filling and filing all paperwork; however, you should verify all the information is correct. Remember that an attorney deals with more than just your case, so keeping your details straight from others is 100% unlikely. That’s why it’s important to double-check every bit of your information, including the paperwork. If your finances have got you feeling blue, hit up an internet chat room and speak with others who have dealt with the bankruptcy process. The process of a bankruptcy is highly stressful. It can leave you feeling like an outcast from your friends and family. However, online you can find others who can relate to what you’re going through. They make excellent resources for sharing hardships and coping strategies. Before making the decision to file for bankruptcy, be sure to do some research and learn all you can about the subject. There are many websites available that offer this information. The United States DOJ, along with a number of other bankruptcy institutes and attorneys specializing in bankruptcy can give you invaluable information. You need to spend some time gathering valuable information so you can file your bankruptcy with confidence.

Consider Chapter 13 bankruptcy for your filing. If your total debt is under $250,000 and you have consistent income, Chapter 13 will be available to you. This lets you keep any real estate and personal property while you repay all your debts through a consolidation program. This repayment period usually lasts from three to five years. If you make your payments faithfully during that time, any remaining unsecured debt will be eliminated. However, if you are unable to properly commit to the plan you agree to, your case can be dismissed.

Don’t use a credit card to pay off your taxes before filing for bankruptcy. In most states, this is not dischargeable debt. Therefore, you will end up owing the IRS a lot of money. One thing that you should remember is that if your tax is dischargable, your debt will also be dischargeable. Therefore, you should not pull your credit card out for purchases if it is just going to be discharged during the bankruptcy.

Some lawyers have a phone service creditors can call instead of you. Then, a creditor can just call the number to verify that the money owed them is involved with a bankruptcy settlement. Once this is done, they will cease and desist calling you.

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