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By: Andrew Stratton
If you need legal help for a Chapter 7 or 13 Bankruptcy cases, or additional debt relief solutions, hire a professional and dedicated lawyer that has many years of experience handling these types of cases. A well qualified and compassionate attorney can provide you with legal representation throughout the business and personal finance cycle. Your lawyer should sit down with you and develop a workable solution to your financial difficulties that is best suited for your needs. With the new state or the art technology computer technology available in some law offices to reduce legal fees while still delivering supreme legal service, you are able to get the best representation possible at prices that can fit in your budget.
Attorneys that handle cases involving bankruptcies are able to operate and represent you to fullest when they are able to incorporate both business and bankruptcy law practices into your case. Due to our current economic decline, many have found that bankruptcies are a feasible option for them as they also have to face issues such as credit card bills, garnished wages, medical bills, and foreclosure. You can hire a lawyer that will fight tirelessly for you in order to stop the garnishments, stop harassing creditors, guard you from continuous collection attempts, and protect your home from foreclosure in your Chapter 7 or 13 bankruptcy case.
Most people prefer filing a chapter 7 in order to wipe their financial state clean. These types of bankruptcies are often referred to as liquidation bankruptcies which require the debtor to disclose in full and sometimes involve the liquidation of some non-exempt assets. In exchange for this process the debts that are owed by the debtor are released, however some may not be able to be released. All of the real or non-exempt personal property of the debtor will then be sold by the trustee of the chapter 7 and the collections are distributed to the debtors' creditors.
If you want to file a chapter 13 bankruptcy case, the U.S. code for this area of law states that a chapter 13 debtor can reduce their debt by proposing a plan of repayment for debt repayment that is formulated of a certain period of time that will come from a portion of the regular income of the debtor. Individuals may find that filing chapter 13 is a good option if they did not pas the chapter 7 means test. Chapter 13 may be an ideal option for individuals that have overwhelming debt but also have disposable income (subtracting all necessary and reasonable allowable living expenses from the net income of the debtor). Finding a knowledgeable lawyer that has extensive experience representing all type of bankruptcies can help you through the process of what type is best suited for your particular situation.
Bankruptcy law can be a complex legal process to comprehend, and to ensure your legal rights are protected and you are provided with information concerning the options available to you, hire an experience lawyer that will fight for your rights. You can file a your insolvency can for Chapter 7 or 13 on your own, however, it is the recommendation of the court not to go it alone because your case will be dismissed if you do not have all of the required information you need by certain assigned dates such as completed essential paperwork or paperwork that is not submitted properly. Call the professional legal offices today and set up a consultation to speak with an attorney that will handle your insolvency case in a skillful manner that can save you both time and money.
Author Resource:->??In Denver bankruptcy proceedings have helped countless local citizens get their financial feet back under them and stop foreclosure and ceaseless creditor calls. Learn more about this valuable resource at http://www.parkeslawgroup.com.
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Source: http://www.articlebanker.com/Art/306811/6/Bankruptcy-Give-Yourself-a-Brighter-Financial-Start.html
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