Typically clients that come see me have been thinking about their financial situations for an extended period of time. The filing of a bankruptcy whether it is chapter 7 or chapter 13 is not an easy situation and ideally the client would like to see it go as smooth as possible. Here are some things to consider before filing.
Try to seek out alternative options such as a debt repayment plan or borrowing money from family or friends to pay back the debts. PLEASE be careful when signing up for debt repayment plans as they typically are extremely expensive and make promises they can’t fulfill.
Stop Reading Advice Online
It is ok to read about bankruptcy and debt repayment options online but remember every case you read has different facts and are probably in different states that have their own law. Also please don’t take the advice of a friend or co-worker as they probably don’t know what they are talking about.
Seek Experienced Bankruptcy Counsel
It is vital to seek the guidance of an experienced bankruptcy attorney to assist you through the process. Numerous lawyers are holding themselves out as experienced bankruptcy practitioners but the majority don’t know what they are doing. Look for someone who has experience filing both chapter 7 and chapter 13 cases and is familiar with all three counties (Broward, Miami-Dade, and Palm).
Shmucher Law, PL is a bankruptcy law firm and the attorney Ofer Shmucher is an experienced Miami Bankruptcy Attorney who has helped hundreds of debtors file for Chapter 7 and Chapter 13 bankruptcy in South Florida. Please call 305-741-5553 or 954-309-5559 to schedule your free consultation today.
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