How to Get Help With Your Bankruptcy Today
Immediate help with a bankruptcy requires fast action. The Federal Trade Commission recommends people carefully consider the advantages and disadvantages of bankruptcy before making a decision. However, people facing foreclosure, wage garnishment or some other pressing financial problem often feel they have to act immediately. Same-day help is available although there are consequences for a hasty decision. Bankruptcy information remains on credit reports for 10 years, even if the filing is later withdrawn.
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Instructions
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Contact a bankruptcy attorney. Options are limited with just one day to act and the best immediate help is an experienced attorney. Review your financial situation with the attorney as you discuss your key reason for considering bankruptcy.
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Meet with one or two other attorneys if you have enough time. Initial consultations are usually free and meeting with more than one attorney allows you to ask more questions.
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Hire one of the attorneys. Authorize the attorney to file a bankruptcy petition on your behalf, if that is what you want to do. Federal bankruptcy courts allow for emergency bankruptcy filings a lawyer can complete in just minutes. Additional paperwork is required within 14 days to complete the bankruptcy filing.
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Tips & Warnings
Chapter 7 bankruptcy and Chapter 13 are the two most popular forms of bankruptcy. As of 2011 the filing fee is $299 for Chapter 7 and $274 for Chapter 13. Attorney fees range from several hundred dollars to a few thousand depending on the complexity of the case. Federal bankruptcy courts will provide forms and other paperwork but clerks and court officials are not allowed to provide legal help or advice. Free help is available through Legal Aid and similar organizations but same-day appointments with an attorney are usually not available because of the demand.
