File Bankruptcy on line
The subject of filing bankruptcy is not frequently discussed among friends or coworkers. Financial matters are held in the strictest of confidence. Most people would sooner talk about their sex life, than talk about their finances. There is such an air of secrecy surrounding these matters that many people are not aware that they can file bankruptcy on line.
Technology has provided us with the tools needed to keep financial matters even more private. When you decide to check out the facts about Chapter 7 and how to start the process of filing, looking at the online web sites can give you the correct answers to your many questions. Being online gives you the privacy you desire while you investigate the actions that you need to take.
Bankruptcy filing online will still provide you with the same immediate stay to creditor harassment. As soon as you have the online attorney do your bankruptcy filing online your creditors will have to stop calling, and sending correspondence to you concerning your past due bills. Creditors must freeze the account at the time of your filing. This means no more added late charges or penalties.
When you file all actions like repossessions and wage garnishments must stop until after the bankruptcy hearing has been held. This applies to garnishments that are already in effect as well as any that were about to be sought. Even garnishments from the IRS for back taxes you owe are subject to follow this rule.
Bankruptcy filings online provide the clients involved with the convenience of being able to deal with this financial matter from the privacy of their home, 24 hours a day, 7 days a week. You will not have to take a day off from work to meet with the attorney and get your paperwork completed. Instead you will provide the attorney with the pertinent information via the internet.
There are a few things you will need such as a detailed list of your creditors and what you owe them. The online bankruptcy site will help you to know exactly what you need to provide them. The attorney will be available to answer all your questions, and to help calm any fears you have about this process.
Once your attorney has all the information they require they will fill out all the proper paperwork and schedules. The attorney will then file the proper paperwork with the correct court. You will be given a date to appear in court for your bankruptcy hearing. Your attorney will go with you to this court hearing, and help you through every step of the process.
One of the first things you will take care of when you file online bankruptcy is the “means test” that will determine your eligibility to file for Chapter 7. Do not let the word test spook you. This is really just you telling the attorney the amount of money you make, and the size of your family. You are not being tested just your income is being evaluated.
After you have taken the “means test”, your attorney will begin to advise you on which Chapter you should file. Chapter 7 is the most frequently filed individual bankruptcy.
When you file for Chapter7 you are also required by the court to receive some credit counseling prior to your court date. This is no problem when you file online your attorney will arrange for this counseling at your convenience. The attorney will be there to take care of all the little things so you can rest easier.
Filing Chapter 7 online will provide you with a clean slate to restart your credit on. Chapter 7 gets the amounts you owe to most of your creditors discharged completely. Then you get the opportunity to start over with peace of mind.
Many people worry that if they file Chapter 7 they will lose everything they have. The fact of the matter is that many things are exempt from being liquidated during a bankruptcy. Your online attorney will be able to advise you on which items will be exempt in your case.
Filing online is convenient and secure. The attorney will handle your case professionally and swiftly. If you do have any questions you will be able to contact your attorney 7 days a week to get the answers you need.
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