A Bankruptcy attorney helps individuals and families that need them to correctly navigate the confusing and dangerous water of bankruptcy law. There are many ways to mess up your bankruptcy filing, and if you don't have a lawyer familiar with the process to consult beforehand, you're very likely to make a minor error that throws the whole process into a tailspin before you even get started.
Schmidt Law Firm has an experienced bankruptcy attorney that is ready to help you file for bankruptcy, and with their experience, you'll find that filing is relatively simple. 'Simple', unfortunately, is not the same thing as 'easy' -- the decision to commit to bankruptcy and all of the problems that can come with it is never easy. But once you've talked with one of our experts and together come to the conclusion that bankruptcy really is the right answer for you and your family, we'll strive to smooth out the complexities and make your bankruptcy as simple as we can. If you have additional bankruptcy-related filings such as a stay of foreclosure or stay of garnishment, we can work with those as well.
As any bankruptcy attorney will tell you, there are a few very good reasons to avoid bankruptcy if possible. The most dire reason is that a bankruptcy is unavoidably stamped on your financial record for a period of 8 to 10 years (after your plan is complete if you went with Chapter 13,) during which time anyone who does a credit check on you will see that you went bankrupt. This can make it very hard to do anything from lease a car to get a credit card.
This does not mean that it's impossible to get a credit card, however, and that's where some people go very wrong -- filing for bankruptcy is not free license to start racking up new debts, and the credit cards that are available to you after bankruptcy are generally extremely predatory, with extraordinary rates. A bankruptcy attorney would strongly suggest that after bankruptcy you avoid credit cards and other debt-accumulation tools altogether.
Also, bankruptcies are public information, and there are many places in the country where the local newspapers list all people filing for bankruptcy right along with births, marriages, and obituaries. The publicity, even if minor, can be extremely humiliating in some circumstances.
If you are -- or if you're uncertain and you would like to consult with our bankruptcy attorney about your options -- call Schmidt Law Firm today at 888-459-3077, and make sure you're making the right decision for your family's long-term financial and emotional health.
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