Filing for bankruptcy could be as easy as you climbing on the top of your desk and shouting, "I am filing for bankruptcy". Two problems here - 1) The legalities of filing for bankruptcy are not as simple and easy as you think, and 2) Whatever is the case, bankruptcy is certainly not one of the episodes of your life, which you would like to be so happy about. With these facts being given, you would do well to understand how to file bankruptcy.
Of course, it all really starts from you thinking whether you really need to file for bankruptcy or not. This decision must be based on facts and not emotions. All your financials must be on the table, and any decision on this should be taken only after you have taken these financial statements into count.
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The first thing you would need to do then is to organize your financial documents. Do not leave any documents here, because if the court finds out that you are misleading them, your case could be rejected outright. Prepare all your documentation, and head straight to an attorney's office.
And why!
Let's face the facts - Bankruptcy is one of the most legal activities around. Trust you would face a lot of legal complications, most of which would take you a lot of time in understanding. Having an attorney is extremely helpful for you because he would be able to tide you over some really tough situations with ease, especially if you have no idea how to file bankruptcy.
Secondly, having an attorney also helps in a lot of cases because states have specific bankruptcy laws. Do not expect yourselves to master these statutes for you to file your bankruptcy case. Seek help from attorneys, and though they would charge you some fees, do not mind paying them.
Assist your attorneys with the filing process. Attorneys, in some cases, may also require your photo identification proof, especially if they are filing the case online, with the PACER.
Allow your attorneys to check the documentation if all is fine. Once the attorneys are done with their checking of the documents, you should take the effort to submit them in the court, if the attorneys do not wish to do themselves. After this, the court may ask you to be present in some of the proceedings.
This really is the entire filing procedure from your end. Hope this answers your question - How to File Bankruptcy?
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