How to file bankruptcy in the United States ...

Although for some people it is a last resort for the growing problem of consumer debt it faces, it offers no way for people to exempt debt under certain circumstances, such suffering has become. A disease and high costs of medication and hospitalization. .Difficulty. .Moderately ChallengingInstructionsThings you need: a good knowledge of the bankruptcy lawyer1First there are no other ways to reduce your debt, how can a last resort.. ... .Also keep in mind that the bankruptcy on your credit record, as long as 10 years remains. ... .And it will affect your credit score or FICO score. ... .A low score, you can change the receipt of credit for things like a car or a house without a co-signer.2Under Bankruptcy Abuse Prevention and Consumer Protection Law to prevent 2005 (BAPCPA), the U.S. Bankruptcy. Code effective 17th .October 2005. ... .Before filing for bankruptcy, a person must be a credit advice to consumers by companies in the U.S. Trustee within 180 days after the filing of bankruptcy, approved on case.3Consider both. Types of bankruptcy often. ... .Chapter 7 bankruptcy is right and who is a Chapter 13 repayment plan for individuals. ... .Note that it is harder to file Chapter 7 because the test.4Meet way and is returned with your lawyer about your case. ... .Your lawyer should be able to answer all your questions about your case. ... .You can determine to what kind of chapter of bankruptcy you ever meet your individual case.5Find costs. ... .There are filing fees and petition attorney's fees, the average cost (all inclusive) are $ 1700th ... .Some lawyers will allow you to pay in installments, or they can forward a payment.6Refer want to all creditors to your lawyer. ... .He is there to speak on your behalf, and the creditors can no longer communicate with you, except through him. ... .In fact, the creditor may for harassment if they call on you and payment.7Wait request will be punished in a meeting of creditors. ... .It is known as a session called after the 341 UCC Code bankruptcy. ... .They will appear before the Trustees of the United States to answer your questions and will be recorded under oath. ... .The session lasts about 10 minutes.8 After 60 days you will receive a notice of discharge of debt if you filed Chapter 7th ... .They have filed Chapter 13, you receive a notification when your last payment was made within 30-60 days after the meeting of creditors. ... .And after these steps, you should no longer pay your creditors ....