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2015/05/25

How A Jacksonville FL Bankruptcy Lawyer Helps During Tough Times

By Melisa Carlucci


It's not easy when there is not enough money to pay bills each month and you have to decide which bills to not pay. If this keeps up for long, creditors or debt collection services will be calling your house and making your life miserable. When problems like these arise, the best place to turn to for help and advice, is your Jacksonville FL bankruptcy attorney.

Most debt collectors do not care about you or your family. They are only interested in money and some of them will go to any lengths to scare you into paying them. However, you do not have to put up with these people and a lawyer can help you put a stop to harassment.

Some people in Jacksonville choose to file bankruptcy without a lawyer, and do it yourself kits are available. Yet, these kits do not tell you if you should file a chapter 13, 7, or mention other options that you may have. When you see a trained legal professional, you can discuss your problems and come up with the best possible solutions.

An attorney will help you decide on the best course of action. This may include credit counseling or filing for liquidation (chapter 7). Also, a lawyer will explain the entire legal process to you. This way, you'll know exactly what to expect, and there will not be any major surprises.

Without an experienced lawyer you might have to go to court or negotiate with lenders and creditors on your own. This is not a good idea, as you may not get a good deal on repayment plans. Your lawyer is there to negotiate with creditors with your best interest in mind.

When you see a lawyer about your financial problems you have someone to help you protect your legal rights. Even if you plan on a "do it yourself" solution, you should still seek out the advice of a seasoned lawyer. There are no fees for a consultation, and you may find it to be very informative.




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