Many people who are suffering under the weight of debt choose to file for bankruptcy, and this can be a great option for those looking to get back on their feet. And while many Chapter 7 bankruptcy cases are straightforward, there are things that you can do to make them go as smoothly as possible. When you’re ready to take the step towards rebuilding your financial life, talk to a qualified bankruptcy attorney in Florida. Before, during, and after your bankruptcy filing, keep these tips in mind, to make your experience efficient and hassle-free!
Before filing for bankruptcy, it’s a good idea to check your full credit reports, from all three bureaus if possible. Many people have errors on their reports, so now is the time to address those, and double check that your creditors are listed correctly.
During any bankruptcy process, you will be required to complete state-mandated credit counseling courses online. Most of the time, you’re given several weeks or even months to finish these, but do not put them off until the last minute. You will need your completion certificate to move forward in your case, and you don’t want to cause delays for your attorney or the trustee.
There are hundreds of bankruptcy lawyers in Florida, but do your homework and choose the best one for you. Don’t fall for rock-bottom prices or other gimmicks. Look for experience, positive client reviews, and timely and respectful responses from their office. Pick a lawyer that makes you feel heard, and can help you navigate the system with ease.
It may be embarrassing to admit all the ways that you have struggled financially, but your attorney is the one person you need to be 100% honest with. Make a list of all of your debts, even personal loans, and be upfront about your income and monthly expenses. Don’t attempt to hide any assets either!
If you do not change the way you’ve been handling money after your bankruptcy, you may put yourself back in the same bad position. It’s never too early to start sticking to a budget, and learning to make ends meet without the use of credit cards.