If you are having a hard time making it from one payday to the next, you may have been wondering what you could do to get your life under control once again. It seems as if no matter how hard you try to get yourself out of debt, nothing seems to be working. This is why many people make the decision to hire Bankruptcy Attorneys in Topeka KS.
It is difficult when you have creditors who are calling you making threats if you don’t come up with enough money to pay your bill. However, if you don’t have the money, you don’t have the money. Rather than stressing over something that is out of your control, set up an appointment with a bankruptcy attorney to find out more about whether or not you are a candidate for a bankruptcy.
The type of situation that you are in is going to determine the type of bankruptcy that you will file. For example, if you are worried about losing your home because you have fallen behind on your mortgage payments, it may be a good idea to think about a Chapter 13 bankruptcy. This is a bankruptcy where you will pay back a portion of the money that you owe. As long as you are current on your monthly payments, you should be able to continue living in your home.
However, if it is credit card debt that you are struggling with, you may think about a Chapter 7 bankruptcy. This is where you don’t have to pay back any of the money. Of course, your credit card account will be closed. You are also going to have a hard time getting another credit card for a reasonable interest rate. However, your debt will be erased permanently.
You can click here for info on Bankruptcy Attorneys in Topeka KS. If you decide that this is something that you would like to do, your bankruptcy attorney will meet with you whenever you are ready. He will walk you through this process and make sure that your creditors don’t contact you ever again. Think how peaceful your life will be.
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