Take advantage of a free bankruptcy evaluation

A bankruptcy evaluation should not cost you anything. Many attorneys and law offices offer free bankruptcy evaluations, during which time you can gain a wealth of knowledge about the bankruptcy process as it relates to your case. You can typically get anywhere from 30 minutes to 1 hour to talk about your case with a bankruptcy attorney.

 

Bankruptcy laws changed over two years ago, making filing for personal bankruptcy a little harder for pro-se filers (self filers) to successfully discharge their debts. Under the new laws, filing bankruptcy involves more paperwork and further regulations for individuals just to qualify for filing, particularly chapter 7 bankruptcy. Without proper knowledge of the bankruptcy code and how these new laws affect you, you take the risk of preparing and filing your case erroneously and facing the consequences alone.

 

Take advantage of a free bankruptcy evaluation, and even if you don't file your case with our bankruptcy attorneys, the free evaluation can reveal plenty of insight on what the process involves and if you'd really be able to handle it on your own. It is very easy to schedule a free evaluation with an attorney in most any city in the U.S. This information will prove to be invaluable and will help you make the correct decision.

 

During your evaluation, your attorney can run the bankruptcy means test against the financial information you provide to determine which bankruptcy chapter best fits your financial situation. The means test is basically a set of formulas in which your financial capacity is measured against the median income in your state and along the lines of a debt to income ratio a specific number is produced which tells your attorney first if you qualify to file bankruptcy and then which bankruptcy chapter is right for you. The evaluation process is straight forward as long as you produce the needed documentation, which your attorney will be sure to ask for ahead of time.