Tired of dodging creditor calls and demand letters? Let us help you hit the reset button financially.
Many people find the term bankruptcy frightening. It is often associated with misappropriation of funds and careless spending. However, even the most responsible individuals can encounter unsurmountable debt and financial hardships that push them to file for bankruptcy.
Deciding to file for bankruptcy is not just a financial one but also one that affects your confidence, identity, and self-esteem. Nonetheless, there is a bright side to considering bankruptcy, such as finally ridding yourself of the constant calls and demand letters and finally getting some space to think clearly as you work out the debts and go through the bankruptcy process.
If you’re at the point where you’ve settled for filing for bankruptcy, this is the first of many important decisions you will make. The next one should be choosing the right bankruptcy attorney in Utica, NY, who will empathetically guide you through the process successfully. Because this is an emotional process, legal prowess isn’t enough. You will need an attorney who understands your situation and how difficult it is.
At Hobaica Law Office, we know the decision to file for bankruptcy doesn’t come lightly. We have worked with many clients before and have seen firsthand how emotionally draining the process can be. Our job is to help you go through the process as smoothly as possible, providing you with the knowledge and support necessary to make it a success, help you overcome overwhelming debt, and regain control of your finances.
Whereas filing for bankruptcy is a decision you should consider carefully, it’s common for people to drag the inevitable too long and, in the process, cause themselves serious mental, emotional, and financial damage. Knowing when to file for bankruptcy can save you from a lot of turmoil and torment and help you start charting a new path sooner.
Here are some indicators you should consider filing for bankruptcy:
You should also consider filing for bankruptcy if your current liabilities far exceed your assets and liabilities.
Once you have settled on filing for bankruptcy, the next step is to determine the type of bankruptcy you should file. There are two main types of bankruptcy filings, each with different requirements, as highlighted below:
Don’t get tied down by debt, we can help you file for bankruptcy to regain your freedom.
The bankruptcy filing process is a complex and winding one that requires you to walk with an experienced and skilled lawyer who will help you navigate through it successfully. If you are seeking a competent, ethical and empathetic bankruptcy lawyer near me in Utica, NY Hobaica Law Office is here.
You can contact us at (315) 627-2800 to get started with a free consultation and to plan on the type of bankruptcy that will work for you. We all have a small business bankruptcy lawyer who can work with you if you are looking to file for bankruptcy for your business.
