If you are having trouble with your debt payments you may find there is no other way out than to file a Chapter 13 bankruptcy. You can find a good Raleigh bankruptcy lawyer that can give you the best advice on filing for a Chapter 13 bankruptcy. People don’t usually file for bankruptcy just because they don’t feel like paying their bills anymore. They file bankruptcy because it is really the best decision they can make when they find themselves in a financial condition that bars them from honoring their debt payments. A Chapter 13 Raleigh bankruptcy lawyer can help explain how filing for a bankruptcy can be a good thing, even if it does cause credit problems in the future.
Sometimes people just make mistakes and get into financial trouble. You can hire a Raleigh bankruptcy lawyer to get you out of the financial mess you have made. You can then start over with a clean slate. Hopefully, you won’t make the same financial mistakes over again. Your local bankruptcy attorney will also help you get debt counseling so you can learn how to better handle money and debt payments in the future. Of course, some people get into financial trouble through no fault of their own too. A Raleigh bankruptcy lawyer is also available to help people file bankruptcy who have lost their job or had some sort of medical problem that made it impossible to pay their debt.
A Chapter 13 is usually the best chapter bankruptcy to file for. There is a Chapter 7 and a Chapter 11 bankruptcy too. Your Raleigh bankruptcy lawyer can tell you which chapter you qualify for. First of all though, your Raleigh bankruptcy lawyer will want to consult with you and go over your list of creditors. Be sure you bring all of your financial records with you when you go in for your initial meeting with a Raleigh bankruptcy lawyer. Once your Raleigh bankruptcy lawyer goes over your financial status they can determine the best bankruptcy chapter to file for. When you hire a Raleigh bankruptcy lawyer they will alert your creditors to the fact that you have filed for bankruptcy. After that, they are not supposed to contact you anymore about your debt. Your Raleigh bankruptcy lawyer will make sure all of your paperwork is filed correctly so your bankruptcy can be approved by a judge.