People always aspire to gain as much income as they can to be able to live the life they want. Unfortunately, not everybody is given the opportunity to achieve this goal. While there are people who hold high positions in the company they work for, some remain in the rank and file and earn only a minimum monthly income just enough to make both ends meet.
Sometimes, it's inevitable to live without obtaining loans. This is especially true for people who earn only an average income every month. Debts are a normal part of their lives as they struggle with their finances and apply for different loans that oftentimes end up overlapping. The end result is huge debt with no immediate solution in sight. When worse comes to worst, many would opt for filing bankruptcy to save them from further trouble.
If you're one of these people contemplating on filing bankruptcy, you may have some questions as to how to go about this long and complex process. The good news is that these days, you need not go to any physical office of a bankruptcy counselor or lawyer because you can do the filing online. This option is growing in popularity because of the fast service including the period of application and processing. Another benefit is the expert guidance provided courtesy of a bankruptcy counselor or lawyer at only minimum rates.
It's easy to file bankruptcy online. Your first step is to download all the required forms. Normally, an online software is provided to help you fill out the forms. Next is to make a list of creditors you owe money to as well as all the things you need. You will also have to determine where you should file your forms.
Once your documents are ready, you can file online. This can be done via the Pacer Service Center and needs to be filed by an attorney.
Do keep in mind, however, that you still need to sign your papers in person and show yourself to the court. You will be called to a meeting involving all parties to inform all of you of the process that will take place. This is known as the 341 creditor meeting.
If you wish to do the bankruptcy by yourself, you will still be required to appear before the court. If you have a lawyer who assists you, the attorney will keep you company.
Bankruptcy services are available in different types today but it is strongly recommended that you consult a financial counselor beforehand who can analyze your situation and determine the best route for you in filing bankruptcy. The person should also be able to guide you whether you really need to file for bankruptcy or opt for a debt relief program instead.
It's important to note as well that you can always opt for the do-it-yourself bankruptcy if you don't have an extra budget to pay an attorney to help you in the process and represent you in court. You must, however, be prepared to fill out more than 30 documents all written in the legal language.
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