When people file for Chapter 7 bankruptcies, they have usually lost jobs or earn less than the median salaries in their states. They are also overloaded with unsecured debt they can’t pay. If you’re currently in this type of situation, you need to contact a Chapter 7 bankruptcy attorney. Here are some key advantages this type of legal professional can offer you.
Reasonable Rate
The average cost of a Chapter 7 bankruptcy is about $1,450 in 2019, according to NOLO, and the fees range from $1,000 to $1,750. This is fairly reasonable considering that 96 percent of all Chapter 7 cases are successful in dismissing debt.
Assists With Paperwork
Chapter 7 bankruptcy attorneys in Valdosta will help filers fill out all paperwork associated with bankruptcies. Your Chapter 13 attorney will also need at least six months of income records from you as well as all of the names, addresses and balances of your creditors. The attorney will then mail everything to the appropriate parties to get the Chapter 7 bankruptcy process rolling.
Advocate at Hearing
In most cases, you’ll need to appear before a judge for a hearing when you file for Chapter 7 bankruptcy. While this can be a daunting experience for some, Chapter 7 bankruptcy attorneys in Valdosta will make suggestions to keep you relaxed. A couple of those tips are to maintain eye contact with the judge when stating your case and answer his or her questions directly.
Unload Your Debt
Experienced Chapter 7 bankruptcy attorneys in Valdosta can help you unload most of your unsecured debt. This includes credit card payments, medical bills, subscriptions to newsletters or magazines and even personal loans. However, you won’t be able to dismiss income taxes, unpaid withholding taxes or Social Security taxes. Furthermore, you can usually keep your car or house under this type of bankruptcy as long as you’re up to date on payments.
A Chapter 7 attorney is highly knowledgeable about what it will take for you to succeed with your Chapter 7 bankruptcy case. He or she will also assist you every step of the way.
