How Do You Know if You Need a Bankruptcy Attorney?
Rock Law Firm
Financial strain may force you to file for bankruptcy, which can help you straighten out your finances and provide you with the opportunity to lay a more solid financial foundation for the future. However, since a bankruptcy filing entails legal matters, it can be challenging to go through the bankruptcy procedure alone.
However, the process is intricate, so in order to get through it without any hiccups, you need the assistance of an experienced bankruptcy lawyer who can advise you on the best bankruptcy to file for, how to value your assets accurately, and which debts can be discharged or still need to be paid. In this post, we'll discuss when you need to hire a bankruptcy attorney.
Signs That You Need a Bankruptcy Attorney
1. You Are Struggling to Manage Your Financial Resources
If you are constantly struggling to make ends meet or find yourself constantly chasing after money, it may be time to consult bankruptcy lawyers. You may have reached a point where you can no longer afford to keep up with your spending. In these cases, bankruptcy lawyers could help you get back on track.
2. You Can’t Keep Up With Credit Card Payments on Time
If you find yourself putting off paying your credit card bills for an extended period of time, it may be time to seek legal counsel from bankruptcy attorneys. Credit card debt is one of the most difficult types of debt to get rid of, but it is also one of the most common. If you’ve been struggling to make your credit card debts and can't find a way out, it may be time for bankruptcy attorneys.
3. You Cannot Handle Bankruptcy on Your Own
The whole bankruptcy process can be very complicated. You may not be knowledgeable in handling the paperwork or court processes involved. The entire procedure can be quite overwhelming. You will need a bankruptcy lawyer to render the needed legal assistance to you including filing bankruptcy.
4. Endless Calls From Collection Agencies
If you've been contacted by a collection agency, there's a good chance that you're in danger of being sued. It's important to know your rights and to contact an attorney as soon as possible. A collection agency may be trying to take advantage of your situation by contacting you multiple times a day, threatening legal action if you don't pay up. If this is the case, don't be afraid to speak up. Tell the agency that you won't pay, and ask for their contact information so that you can speak to a bankruptcy attorney who will help you understand your rights and protect your interests.
5. Monthly Overdraft Fees
Your bank may declare you in default if your overdrafts pile up and if you don't pay related fees on time. You need to talk to a good bankruptcy attorney about your options in settling these debts. He or she can explain your rights and help you take the appropriate steps to avoid bankruptcy.
6. Not Qualifying for Debt-Relief Programs
If you're not qualified for debt-relief programs, you may be wondering what to do. Unfortunately, there is no easy answer. You should speak with a bankruptcy attorney to see if you qualify for any of the programs available. He can also help you explore other options like filing for bankruptcy.
7. Threats From Creditors Over Unpaid Debts
If you are facing threats from creditors over unpaid debts, don't panic. You will get help from a bankruptcy attorney who will help you understand your options and risks, file bankruptcy, and guide you through the process. In most cases, the attorney will protect your assets from creditors and allow you to start over with a clean slate after the entire bankruptcy episode.
What is the Role of a Bankruptcy Lawyer in a Bankruptcy Case?
Bankruptcy lawyers are knowledgeable in bankruptcy law. During a bankruptcy petition, the attorney helps protect you against your creditors and relieve you of some or all of your debts. Bankruptcy lawyers will help you do the following:
Give you legal advice about bankruptcy
Prepare all legal paperwork for you as a client
Represent your interests in court during bankruptcy cases
Bankruptcy attorneys can protect your assets by getting rid of any debt and letting go of the weight of your financial obligations.
How Much is a Bankruptcy Attorney in Arizona?
While Arizona bankruptcy courts demand $335 to file for Chapter 7 bankruptcy and $310 to file for Chapter 13 bankruptcy, we at the Rock Law Firm offer zero-down filing to people who qualify. We have a longstanding experience with Arizona bankruptcies. Our bankruptcy attorney, vastly experienced in the United States Bankruptcy Code, offers debt relief options to individuals and firms that have suffered from unpaid credit card bills or unsecured debt.
Do you need help getting debt relief from creditors? Rock Law Firm Bankruptcy Attorneys can help!
Are you thinking about filing either a Chapter 13 or Chapter 7 bankruptcy to get your debts settled legally? We are here to help right away. At the Rock Law Firm, our experienced consumer bankruptcy lawyers are driven by integrity and bound by the law. We have always prioritized giving our clients the best services, whether helping them file bankruptcy or working with them on a Chapter 13 bankruptcy.
We are the legal team you want on your side — owing to our expertise coupled with compassion. At the Rock Law Firm, we are renowned for our friendliness, skill, and respect for our knowledge.
We recognize that awful things do occur and that sometimes you have to reach your lowest point before you can navigate your way out. Rather than trying to make matters work, we use the power of the rock of justice to identify the best solutions for the present and the future. Call us at (480) 613-9690 to schedule a no-obligation, confidential consultation today.