Deciding to file for bankruptcy is not an easy decision to make; but, in some cases, it is necessary. It is always best to go forward, armed with the best information and assistance you can find. You need to know what you are up against. Read on for knowledge and wisdom passed on from those who have gone through bankruptcy themselves.
If you?re considering filing for bankruptcy, it is critical that you assess what events and behaviors brought you to this point. You should not worry about your money managing skills if you owe money because of unplanned medical expenses, but if most of your money has been spent irresponsibly, you need to look for a long-term solution to manage your finances. Don?t assume that you can handle getting past these things on your own, if you find yourself continuing to do it. Get help.
If it looks like you?re in for a big hit on your taxes, don?t necessarily assume bankruptcy is a way out for you. Filing for bankruptcy does not exempt you from paying your taxes. This is done on the mistaken belief that since the amount owing is now owed to a credit card, they will get away with not paying taxes. However, there are already bankruptcy laws in place for this. This will leave you with owed taxes and then credit card interest for it, too.
Write down a list of every debt you have. This is going to be the foundation of your filing for bankruptcy, so be certain to include every debt you know about. Always go through your statements and get exact numbers. Take care not to miss any debts that you need to disclose, or you will be responsible for paying them back after you have filed for bankruptcy.
It is wise to reconsider filing for divorce if your financial situation is grim. A lot of individuals get a divorce and file for bankruptcy immediately because they did not plan for the troubles that they will be experiencing financially. Rethink getting divorced, if possible.
Most bankruptcy lawyers offer a free consultation, so meet with several before you decide on one. Be certain to speak with an attorney, not their paralegal or law clerk, since they cannot give legal advice. Looking for an attorney will help you find a lawyer you feel good around.
After you have declared bankruptcy, you may have a hard time being approved for unsecured credit. If so, apply for a secured credit card. This will allow you to start building a good credit history while minimizing the bank?s risk. If you do well with a secured card and make strides to repair your credit, you will ultimately be able to receive an unsecured card.
If you manage to get a new job right before filing for bankruptcy, still pay strict attention to your financial situation! It might still be wisest to file for bankruptcy. Choosing when to file can have a big impact. Should you file prior to earning your first paycheck, that money will not be considered when it comes to how you will repay.
You can always refile for bankruptcy if your case is dismissed. Be aware, though, that in most situations you will only possess the assistance of an automatic stay for thirty days after filing if your case has already been dismissed once. If you need more than the allotted 30 days you should ask the judge for an extension if you have good cause.
No one is happy to be bankrupt; sometimes it is the only option. Since you?ve read the advice found in this article, you know what has worked for others who have filed for bankruptcy in the past. You will find that every journey in life goes more smoothly if you heed the advice of those who go before you, and this one is no different.
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Source: http://invetingmarketanalysis.com/2012/12/23/how-to-file-bankruptcy-with-no-trouble/
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