Your creditors will not be able to assist you in this matter, as their priority is recovering their money. You need all the information, beginning with the petition filing and ending with the discharge. Once you have all the facts, you must evaluate them and determine if you really need to file for bankruptcy. Bankruptcy is not a fast fix for your debts, as there are consequences, and it should not be entered into lightly.
After determining that bankruptcy is your only viable option, you must learn how to file for bankruptcy. Before you actually file for bankruptcy, you may need to consult with an attorney. Filing a bankruptcy petition may appear to be a deceptively simple procedure, but it is advisable to enlist the assistance of an experienced bankruptcy attorney.
A lawyer can help you determine if you qualify for chapter 7 or if you must file under chapter 13. You must be able to share all information regarding your income and expenses with your attorney, as this will give him a clear picture of your ability to repay.
You must consult with the bankruptcy attorney regarding legal fees and filing fees. You cannot file for bankruptcy if you owe money to your attorney, so it is advisable to set aside the necessary funds. If necessary, you can negotiate a payment plan with your attorney. If you are filing under chapter 13, you can determine whether you can pass the means test, identify your non-exempt assets and the assets you wish to preserve for the future, and plan your repayment schedule. After your consultations conclude, your attorney will explain how to file for bankruptcy and what other steps are necessary.
A competent bankruptcy attorney is your best option if you want to know how to file for bankruptcy, and he or she can serve as your defense against creditors once the filing is complete.""
" - https://www.affordablecebu.com/
