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Even with sacrifice and struggle, climbing out of debt can be extremely difficult. For many Americans, with the trends in job loss and the recent downturn in the economy, the task may even be impossible. 

Bankruptcy is a legal process designed to give honest but unfortunate people a “discharge” from their dischargeable debts. The principal policy behind bankruptcy is to give people a “fresh start” when they can’t pay their bills. Also, filing bankruptcy may halt the following: creditor harassment, foreclosure, repossession, and IRS seizures.

Bankruptcy should not be taken lightly. It is a personal decision, not a legal decision and will adversely affect your credit. For example, you may be restricted from obtaining credit in the future. Most bankruptcy debtors get to keep all of their assets, but if you have non-exempt property, you could lose your “non-exempt property.” Bankruptcy lawyers charge fees to file for bankruptcy. The typical fee for a consumer case can be $2,000 or more. These factors should be carefully weighed against the benefits of bankruptcy before filing.

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You should not attempt to file a bankruptcy without using a bankruptcy specialist. In terms of paperwork, bankruptcy is complicated. There are numerous forms and schedules. The forms and schedules are complicated. If you don’t fill them out right, then you could have a problem, any one of which could explode into a legal objection from the court, the trustee or the creditors. By attempting to file on your own you run the risk of denying yourself financial relief through a bankruptcy discharge. Worst yet, you may be left facing some kind of civil prosecution for abuse, or at the far end of the bad consequences, criminal prosecution for fraud. Bankruptcy is a specialized area in the law and it is particularly important to seek out an experienced practitioner.

Dana A. Ehrlich is a board certified bankruptcy attorney by the Texas State Board and by the American Board of Legal Specialization in Consumer and Business Bankruptcy Law. Contact us today for a free consultation in regards to your bankruptcy needs. We’ll give you straightforward, honest opinions about your choices. Together we will explore debt relief solutions so that you and your family can move forward after debt.
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