When some people find themselves in financial trouble, their only option is to file for bankruptcy. When this happens, it is a good idea for them to contact a law office to get help. The bankruptcy process can be very difficult. Therefore, an individual would need help from a legal professional to get through the process. There are several benefits of having a lawyer there to help.
Understanding the Types of Bankruptcy
Most people don’t understand the two types of bankruptcy. The first type is Chapter 7, in which the person filing would be able to remove all of their unsecured debt. The second type is Chapter 13. In this case, the individual filing will have more time to pay off his or her existing debt. It would take the knowledge and experience of a bankruptcy attorney in St. Charles, MO, to determine whether or not an individual would qualify for Chapter 7 or Chapter 13 bankruptcy, and which would benefit the person more.
Stop Creditors from Calling
When a person is in debt, creditors can be relentless. Not only will they call daily, but they will also send out harassing letters. When a person hires a bankruptcy attorney, the attorney will contact the creditors to let them know that they are handling the bankruptcy case. After that, most of the phone calls and correspondence will go right to the attorney.
Help with Paperwork
There is a great deal of paperwork involved in a bankruptcy. If the paperwork is not filled out correctly, or if some information is missing, the application can be denied. An attorney can help any person with the necessary paperwork, to ensure that the bankruptcy process goes smoothly.
Representation
During the bankruptcy process, the debtor would need to communicate with the creditors to negotiate settlements. Many people filing for bankruptcy don’t feel comfortable making these calls, or they don’t have the negotiation skills required. When people hire a bankruptcy attorney in St. Charles, MO, they will have someone to negotiate for them.
Bankruptcy can be a long, complicated process. One thing a person can do if they plan to file for bankruptcy is to contact the Law Offices of Steven K. Brown. For more information, visit this website.
