Finding a Local Debt Attorney To Find Solutions

Finding a Local Debt Attorney

Navigating the complex web of personal debt can be imposing for even the savviest of consumers. Fortunately, bankruptcy lawyers can offer help to struggling consumers who are trying to reduce their financial stress.

Debt attorneys have often dealt with many clients who are experiencing rough patches with their creditors.

In order to learn more about your legal options to reduce your debt, fill out the form below for a free consultation with a local bankruptcy lawyer.

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Common Causes of Debt

Debt is often caused by a few major sources. A local bankruptcy lawyer can help you learn more about how to approach numerous causes of debt, including:

  • Medical Bills. Unexpected medical expenses often leave people in a financial rut, especially if they experienced a medical emergency. Costly medical services are a major contributor to personal bankruptcy filings.
  • Job Loss. A loss of a steady income is also a major contributor to financial stress. Many personal bankruptcy filers have recently lost their job.
  • Personal Debt. This includes financial weights such as student loans, credit card debt, and car payments. Many people seek the help of a debt attorney after suffering under the weight of these types of loans.
  • Divorce. Ending a marriage can be a very costly process. Even the most financially healthy people struggle with the costs of child support, maintenance, and court costs. All these factors have led many people to file for personal bankruptcy.

Questions to Ask Your Attorney

Some people may be nervous about contacting a debt lawyer because they aren't familiar with the ins and outs of bankruptcy.

To help you feel more confident when you speak with a local attorney, here are a few questions to pose, including information on each topic:

  • Chapter 7 or Chapter 13? There are two types of personal bankruptcy. Chapter 7 is the most common form and it may help discharge some of your debts. Chapter 13 is designed for people with a regular income, and allows them to develop a debt repayment plan. Your bankruptcy attorney can help you decide which option is better suited for you.
  • What kind of loans cannot be discharged? Generally, child support, student loans, and some kinds of taxes are considered non-dischargeable debts during a bankruptcy proceeding.
  • How long will my bankruptcy take? This depends on the chapter you file, complexity of your finances and how many creditors will be involved in the process. Chapter 7 bankruptcy cases are typically resolved within six months. Chapter 13 cases can last three-to-five years.

Contact a Local Debt Attorney

If you are considering trimming your debt by filing for personal bankruptcy, you are not alone. Each year, more than a million Americans file for personal bankruptcy. To learn more about reducing your financial stress through personal bankruptcy, contact a local bankruptcy attorney today.

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