Do You Need An Attorney To File Chapter 13 Bankruptcy?
If you are in deep debt and unable to pay your bills, you may have to file chapter 13 bankruptcy. As you probably know, filing is a very complicated legal and financial procedure that requires a significant amount of legal knowledge to navigate, and as such, is almost impossible for an individual to do without representation by a Chapter 13 Bankruptcy Attorney. This is why it is in your best interest to retain the services of an experienced and reputable chapter 13 bankruptcy attorneys.
Your chapter 13 bankruptcy attorney brings all his knowledge and expertise to your bankruptcy filing, and can guide you through the legal process. In addition, your chapter 13 bankruptcy attorneys can clarify anything you don’t understand, which will likely save you both time and money in the long run. If you are married, your attorney will know whether you spouse will be affected by your bankruptcy filing and if so, in what way. Your chapter 13 attorney will also tell you which of your assets are exempt from your bankruptcy and how to include that information in your bankruptcy petition which comes under chapter 13 bankruptcy law.
You should share every aspect of your personal finances, including communications you have had with creditors, with your chapter 13 bankruptcy attorney so he can prepare you for any complications that may arise during your bankruptcy filing. If any of your creditors objects to your bankruptcy, your chapter 13 attorney will defend you. If the dispute progresses to a court case your chapter 13 bankruptcy attorney will represent you to ensure your best interests are represented in court.
Your attorney will also inform you which debts cannot be eliminated by your chapter 13 filing. These include tax debts, government fines, child support and student loans. If you have any such debts, your attorney will help you incorporate them into your repayment plan. In conclusion, it is your chapter 13 bankruptcy attorney’s job to use his knowledge of the law and experience in chapter 13 bankruptcy to represent your best interest throughout your bankruptcy case.