Are you getting daily phone calls from debt collectors? Is your mailbox full of overdue bills? Are you making decisions like do I buy needed prescriptions or needed groceries? Are you unable to sleep at night because you are worried about your bills and money? My friend, it is time to talk to Bankruptcy Attorneys in Harrisonburg. When you call to get things started, you will remember it as the best phone call you ever made. You will be given an appointment to speak with one of the attorneys for a free consultation. When you go, you will need to bring some basic information like a list of your indebtedness, to whom to you owe money and how much. Secondly, you will need to bring proof of income.
You will probably feel embarrassed when you walk in the door, feeling like a failure. The first thing you will be told is that you are not a failure. Things have happened in the economy that no one expected, and you were hit hard. If the Bankruptcy Attorneys in Harrisonburg feel you are a good candidate for bankruptcy, they will explain the two different types of bankruptcy filing. There is Chapter 7 for folks with limited equity. They are using their pay check to just get by from month to month. With Chapter 7, you are relieved from harassing phone calls, relieved from the debt you owe to your creditors, and you are given a fresh start in your life. You will need to use caution should you decide to try to get credit again.
Chapter 13 is a little different and confusing to many people. It is a plan whereby your attorney will work out a repayment plan with your creditors that will be lower payments for you. Some of your debt will be forgiven while you make agreements to pay on the rest, and you must hold true to your contract. This plan arranged by your attorney usually runs for 3 – 5 years. The first step to get this pain off your back is making that first phone call to get the process started. Talk to an attorney for a free consultation, then you can decide where you want to go from there. You will be pleased to find that the attorneys are caring people who want to help you get back on your feet. Good Luck in your future.