If you have any questions about filing for bankruptcy or other forms of relief under the bankruptcy code, contact a Saint Charles bankruptcy attorney immediately. Do not try to take the law into your own hands, and do not try to file a bankruptcy case yourself. I have met with too many people who have tried to handle a bankruptcy case on their own, only to come to my office to try and save their case. In some instances, I was able to save their case. In many other instances, I had to recommend that they let their case dismiss and we re-file it properly. Refiling a bankruptcy case involves additional expense, additional court costs, additional time, effort, and money. If you get it right the first time by hiring competent counsel, you won’t have to go through that headache.
Filing Chapter 7 bankruptcy is a great form of relief; Chapter 13 is a great form of relief under certain cases. Make sure that your attorney is putting you into the right chapter for what you want. There are law firms out there that you need to be careful about. There are some law firms that will encourage you to do a Chapter 13 bankruptcy case when what you really need is a Chapter 7 bankruptcy case. The reason why these attorneys will push you into a Chapter 13 bankruptcy case is because they make more money when you file a Chapter 13. However, if you really need a fresh start bankruptcy, you do not want to be locked into a three-to-five-year payment plan under Chapter 13 that’s going to leave you without any available money per month. So if you need a fresh start, demand a fresh start. Don’t just take the advice of the first attorney who recommends that you file a Chapter 13 when you don’t feel that you want a Chapter 13. By speaking with two or three qualified bankruptcy attorneys, you will get a real quick understanding of which chapter you belong in and whether or not that attorney is going to be the right attorney for you. Remember that you do have bankruptcy options.
At any time when you are in a Chapter 13 bankruptcy case, you can ask your lawyer to have the case dismissed. Since Chapter 13 is a voluntary case, it can be easily dismissed upon motion of the debtor. Dismissing the case can lead to a short time-frame in which you cannot re-file, however, this is rarely an issue for most debtors who wish to claim bankruptcy.