You must have several reasons why you prefer to manage your bankruptcy filing alone and without calling for the help of an attorney. It might be that you can’t dare to entrust your case to a stranger or might be that you are very anxious about the charges.
Whatever your reasons are, don’t you think you are risking more than you are saving? Don’t you think that a stranger who has the necessary knowledge and skills is the one who can truly save you.
Having a bankruptcy attorney all throughout the legal process can bring you more benefits than you can expect -- emotionally, mentally, legally and even financially. Especially if you hire someone who have been practicing in the court for many years, handled hundreds of bankruptcy cases and possesses a comprehensive knowledge about the ins and outs of the court.
Think twice and determine well your capability to represent yourself in the court through the following factors you might be risking if you do so:
1. You have to sacrifice some time in order to obtain your credit reports from all three credit bureaus namely; Equifax, Experian, and TransUnion. You will be cracking your head in reviewing the documents and ensuring the accuracy of every piece of data because one small mistake can cause a huge conflict in your case. Also, you must see to it that you are not leaving any debt behind and fail to wipe it out in the end.
2. In order to qualify in representing yourself in the court, you are required by the law to complete a credit management and financial literacy course. So apart from the mental exhaustion of filing, gathering documents, and strategizing a good plan, you need to allocate time in finding a credit education agency approved by the U.S. Trustee Program. Such time, if you have an attorney, could be spent with the family or as your rest time, especially after a tiring day of dealing with some bankruptcy issues.
3. Can you afford to bear any punishment in the middle of dealing with your financial crisis? This can be quite overwhelming. You will be risking your chance to get the court approve your bankruptcy case if you fail to fill out accurately a bunch of paperwork for the petition. And in order to avoid mistakes, you need an expert’s assistance in doing so. Moreover, you need to provide dozens of supporting documents stating your assets and debts, specifically.
4. The worst stressor of bankruptcy are the creditors because they will not stop calling you until they can collect what they are asking for. Yet, you have every option to stop them from doing so because once you hire a bankruptcy attorney, they are prohibited to contact you directly. They have to go through your attorney first for their concerns and questions.
5. The common misconception that people think if they hire an attorney is they will be spending more money. But in the long run, if ever you choose to do everything alone, you will realize that that’s not the case. Worse? You could lose some properties unnecessarily just because you don’t exactly know what option is best to protect them or you chose the wrong exemptions.
You don’t have to do it alone. You can go resolve your financial problems smoothly and flawlessly with the help of an experienced, skilled and compassionate bankruptcy attorney.
Visit The Martin Conway Law Firm at 12934 Harbor Drive, Suite 107, Woodbridge, VA 22192 or contact 855-848-3011.
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