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Free Ch 7 and Ch 13 Bankruptcy Forms

You’ve discussed the possibility of declaring bankruptcy with your family in detail, and feel as though you’re up to make the decision. However, you have several questions about the bankruptcy process, and don’t want to spend hundreds of dollars getting advice from a lawyer. There are some sites that will allow you to get free bankruptcy case evaluation, so that you can be informed about the process as you’re working to better your financial health.

Before you get your free chapter 13 bankruptcy forms, you will need to figure out what type of bankruptcy you are filing for. If you’re looking for a debt consolidation type of program, you may want to file for Ch 13 bankruptcy. This will stop creditors from calling, and will prevent you from facing foreclosure or wage garnishments. You submit your Ch 13 repayment plan to the bankruptcy court, and you’ll be assigned a plan that will let you to repay your debts in 3-5 years. The federal court will issue an automatic stay for you, which means that this will stop all lenders from taking any further action on your accounts. About a month after the ruling, you’ll be required to attend a 341 meeting that will last for about 15 minutes. This meeting will allow your lenders to question whether or not you can pay your debts. The lenders will usually ask if you can pay at least 50 cents on the dollar, and if you’re not able to do so, they won’t object to your bankruptcy.

You’ll also need to find out if free chapter 7 bankruptcy forms are available from a local agency if you’re going to file for Chapter 7 bankruptcy. This will allow you to have all your properties organized according to what you can pay. You will still have to attend a 341 meeting for this type of bankruptcy so communicate with your lenders as much as possible to come up with a solution.

It is a good idea to take free bankruptcy case evaluation offers from the internet. In most cases, your initial consultation will be free, so be sure to get as much info as you can at the first meeting so that you can continue the filing process on your own if need be. You can also choose to do it yourself bankruptcy if you want to save on legal costs.

Before you fill out and send in your bankruptcy paperwork, it is crucial to make sure that you take a serious look at your finances to find out if there are any consolidation tools that you and your family can put into place without legal help. Bankruptcy should be your last resort, but it can help you to restore your credit faster.

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