I’m starting to think I may have to file for bankruptcy. Where do I start?

If you are considering bankruptcy, it is important to have a thorough consultation with an experienced bankruptcy attorney. You should leave that consultation with a good understanding of your options. Once you know your options, you can make an informed decision about what should be done. Never let an attorney or anyone else pressure you into filing a bankruptcy, or filing a particular type of bankruptcy. Get the facts first. Make sure you know the pros and cons of each type of consumer bankruptcy case.

WHAT CAN I EXPECT AT MY INITIAL CONSULTATION?
At Morgan & Morgan, you can expect a pleasant, non-judgmental, thorough review of your situation by an attorney with many years of experience. We will take the time to make sure you know your options, and we will try to answer all your questions. We will NEVER pressure you to file a bankruptcy case. Instead, we will make sure you have the information you need to make a decision that is right for you.

DO I HAVE TO HAVE ALL MY FINANCIAL RECORDS?
Absolutely not. We can usually gather the information we need by simply asking the right questions. If necessary, we will help you get a credit report to help insure we have a complete picture. At your first meeting, our primary focus is to get a good overall picture of your situation and make sure you understand your options. You don’t need to spend hours gathering documents before you come in.

WHAT TYPES OF BANKRUPTCY ARE AVAILABLE TO ME?
Individuals and married couples with consumer debt usually have the option to file under either Chapter 7 or Chapter 13. You can learn about the difference and what is involved with each type of case at our website, www.morganlawyers.com. At your initial consultation, we’ll make sure you understand both options. Each has pros and cons, and which may be best for you can sometimes be a difficult decision. Rest assured that we will spend the time necessary to make sure you understand each option.

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