If you do not answer your phone because you are afraid it will be a creditor on the other end, or are nervous each and every time you go to check your mail about what collection notices may be inside, you may have a debt problem. If you have more debt than you can afford to pay off, bankruptcy is one of the many options you have for getting out of debt. Here are some of the reasons you may want to consult with a Chapter 7 Cedar Rapids bankruptcy attorney if you are in this situation.
The Attorney Can Advise You Whether Bankruptcy is Right For You:
One of the biggest advantages to consulting with a Chapter 7 Cedar Rapids bankruptcy attorney is that the attorney can advise you whether bankruptcy is right for you. Deciding whether or not to file bankruptcy is a difficult decision. There is a lot of information out there that can hep you come to a decision, but you have to carefully read through a lot of information to get to that decision. Having a free consultation is easy and you will quickly get an answer from an expert as to whether or not bankruptcy is right for you.
The Attorney Can Let You Know What Type of Bankruptcy is Right for You:
Most people do not realize that there are different types of bankruptcy cases. There is Chapter 11, Chapter 12, Chapter 13 and Chapter 7 Cedar Rapids. Unfortunately, it is extremely difficult for the average person to know what type of filing is correct for their situation. The ultimate goal is the same with each filing type, but the way of getting you out of debt varies between the plans. During a consultation, an attorney will let you know what your best option is.
They Can File the Paperwork Right Away:
The last benefit to consulting with a Chapter 7 Cedar Rapids bankruptcy attorney is that if the attorney decides that bankruptcy is the best option for you, they can immediately file the paperwork on your behalf. Once the paperwork is filed, creditors have to stop all collection efforts, which means no more phone calls or letters.
