There are several dangers in attempting to file a bankruptcy petition yourself. The first is that you will become discouraged and as a result your filing will be delayed or simply never happen. The paperwork and rules concerning bankruptcy are complicated and technical. If you do file, there is a good chance mistakes will be made and this will result in your petition being rejected.
Help When You Need It The Most
With any government body dealing with huge numbers of petitioners, there are forms to fill out, procedures to follow and jargon to try to understand. Although the court system would ideally like bankruptcy to be simple, it isn't.
There is extensive paperwork to complete. Our knowledgeable attorneys have completed this paperwork thousands of times, effectively and efficiently. The aggravation you will be saved is hard to evaluate.
The new means test determines your eligibility to file under Chapter 7. (Most people much prefer Chapter 7 because more debt is discharged, and the process is over and done quickly. Chapter 13 requires years of payments). The formula in the means test is more complicated than you might think. If you make a mistake, you could lose the opportunity to file under Chapter 7.
You will have numerous, important decisions to make. For example, your automobile creditor may offer you a reduced interest rate, or other alteration of your debt. Which deal is best? Should you re-affirm the debt? You may have to choose from multiple complicated options. Our lawyers will take the time to carefully explain your options and help you make the right decision.
Your creditors want as much from you as possible. They may object to your bankruptcy petition. We have been through this countless times and know how to negotiate the best deal for you.
Finally, the number of bankruptcies has skyrocketed in the current economic downturn. The bankruptcy courts appreciate filings that are correct and filers who know what they are doing.
Florida Debt Consolidation Law Firm
The Law Offices of Patrick L. Cordero, PA Attorneys at Law, is centrally located in Miami. Our attorneys have a combined 50 years' experience, helping the people of Miami. We are dedicated to providing professional service, reliable legal advice and hands-on client service.
Contact our office today at 305-445-4855 to schedule an appointment for a free evaluation and put yourself on a path to a better financial tomorrow. We also assist Spanish-speaking clients.
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We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.