Many people choose to file for bankruptcy because they cannot pay their debts. You do not need an attorney to file for bankruptcy. However, you should hire a bankruptcy lawyer in Valdosta. There are several reasons that you should consider working with a bankruptcy attorney.
It is a good idea to have expert advice when filing for bankruptcy. This process can be complicated, and you can easily get confused if you do not have someone guiding you. Attorneys know about federal and state laws. They will make sure that you comply with the laws. They can also help you with the paperwork.
Protect You From Creditor Harassment
The further you get behind, the more creditors harass you. They may start calling you several times a day. However, if you hire a bankruptcy lawyer in Valdosta, then you will not have to worry about being harassed by creditors. They are legally required to stop contacting you after you have retained an attorney.
You will have to go to court and meet with your creditors. The thought of doing this can be scary. However, if you have an attorney, then they will be able to represent you.
Determine What Type of Bankruptcy to File
You can file for Chapter 7 or Chapter 13 bankruptcy. Each bankruptcy option has its own pros and cons. Your attorney can help you decide which type of bankruptcy is best for you to file.
Prevent Costly Mistakes
It is easy to make a mistake during the filing process. However, mistakes can be costly. If you make one mistake, then this can cause a delay. You may also have a harder time filing for bankruptcy in the future. Your attorney will be there to guide you. They will ensure that you will not make any mistakes.