Bankruptcy is a powerful tool that can help people who are drowning in debt. But it is not right for everyone. If you are considering bankruptcy, you should talk to an attorney before you file. 

An experienced bankruptcy attorney in Harrisburg, PA can guide you through the entire process. They will know what documents to ask you for and how to complete them. They will also be your advocate at any court-mandated hearings and when dealing with creditors. 

They Can Help You Decide if Bankruptcy is Right for You 

A bankruptcy lawyer can help you understand the different types of bankruptcy and what they mean for your financial situation. They can also help you find alternatives to bankruptcy that may better suit your needs. 

Bankruptcy lawyers will also prepare all of the paperwork for your case and ensure that all deadlines are met. They will help you determine if you qualify for Chapter 7 or Chapter 13. They will also review the information you provide to ensure that it is accurate and complete. This is important because if you withhold information from the court or your creditors, they may request a 2004(a) examination and challenge the discharge of debts. 

When choosing a bankruptcy attorney, it is important to find someone who is experienced and who you feel comfortable working with. Look for a lawyer who specializes in bankruptcy or devotes a large portion of their practice to it. Interview several attorneys before selecting one to represent you. 

They Can Help You File 

The process of filing for bankruptcy is a complex one that involves filling out many official forms. A good lawyer will ensure that all of the forms are filed correctly and on time. 

A good bankruptcy attorney will also help you determine which debts can be lowered, erased or reorganized during the proceedings. They will also advise you on what kind of bankruptcy you should file for (Chapter 7 and Chapter 13 are the main types). 

In addition, your lawyer can help you protect assets by ensuring that all of your property is disclosed and accurately valued. They will also understand your state’s exemption system and how to use it to shield your most valuable assets. 

When choosing a bankruptcy lawyer, make sure they specialize in this area of the law. It is also important to ask for referrals and do your research before making a decision. Look for research that provides a list of certified bankruptcy attorneys that you can use to find the right fit for your case. 

They Can Help You Keep Your Assets 

If you’re facing foreclosure, an eviction or are having your wages garnished, bankruptcy may be the answer for you. Your attorney will help you file all the necessary paperwork and ensure that your assets are protected. They’ll also communicate with the trustee and creditors on your behalf. 

They can determine if you have any assets that are exempt from liquidation in Chapter 7 bankruptcy. That includes household furniture and appliances, tools of your trade, vehicles up to a certain value and some types of income like unemployment benefits and public assistance. 

They can also help you decide whether to pursue Chapter 13 bankruptcy, which is a form of debt repayment. They’ll help you complete more than 20 bankruptcy forms, attend a creditor’s meeting made mandatory under Section 341 of the Bankruptcy Code and advocate for you in court or during settlement negotiations. They’ll make sure you don’t commit fraud or conceal any information that could result in criminal charges. 

They Can Help You Get a Fresh Start 

Despite its negative image, bankruptcy is not the end of the world. It can help you stop creditor harassment, wipe out debt, and get a fresh start. 

A qualified bankruptcy attorney will review all of your options. They can also offer advice on less drastic forms of debt relief such as debt settlement and debt management programs. 

The lawyer will guide you through the process of filing your case and ensure that all required paperwork is submitted correctly. It is crucial that the documents accurately reflect your financial situation. If even one form is incorrect, your entire case may be dismissed. 

They will also work to help you keep your assets by using the exemption system. Each state has its own exemption rules and your attorney will know how to apply these to limit any losses. They will also explain which debts will be discharged and those that will remain. This includes alimony, child support, and student loans.