More than ever these days, people are finding themselves in peril of losing all they own. It's important for any individual to understand at times it may be necessary to protect yourself from the economic turn of events by finding a Chapter 13 bankruptcy attorney to fight for your rights. But with things the way they are at this time, can you afford to hire one and if so is this the best choice for your family?
Filing bankruptcy is not an easy process and hiring an attorney may not be the only option you have to save yourself from the embarrassment of bankruptcy. Instead of hiring a Chapter 13 bankruptcy attorney and increasing your debt however, you may be able to utilize a credit counselor or at the very least, find a free consultation to learn all the options you may have to proceed.
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I'm not sure if you are aware of how filing for chapter 13 will affect your credit history. The downside to filing is having this bankruptcy on your credit history for up to 10 years. Most lenders will not want to deal with you or consider you to be too much of a credit risk and charge you the highest rate of interest allowed by law. I know this doesn't make sense, but by letting the creditors know you've had a hard time making ends meet in the past they compensate for taking a risk by charging you higher rates. You can also forget about that new home you've had your eye on or new car you've been dreaming of. Your credit history will be damaged and even your new employer will have a chance to look at your credit report and possibly hire the next person in line.
Finding information on the best course of action to take is always best and having an expert guide you through the process is the best advice I can offer you. I can tell you from personal experience that going it alone is not something I would recommend. The information needed to file and the paperwork involved is not something I would attempt without the knowledge of a professional. Listening to the options offered by a credit counselor during your free consultation will at least give you an idea of how things work. The fact is, the longer you wait the harder things may get for you and your family. And with laws changing practically overnight this may be the best time for you to take care of the financial burden causing your family all their current anxiety.
Finding a Chapter 13 bankruptcy attorney may be easy and I'm sure they will advise you that working with them may be the best course of action for you to take; but please take my advice. Get a free consultation today and learn of the different options you may have to solving your financial dilemma. Taking control of your family's finances may be easier to do with the help of a professional by your side. Information is power and finding this information is easier now with the help of the internet.
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