If you are in a financial bind and you don’t know which way you should turn, an Bankruptcy Lawyer Des Moines can offer you the right professional advice to help you decide if bankruptcy is the right decision for you. Most people don’t know much about bankruptcy, and it’s worth it to get an experienced professional who can answer your questions and explain the process. You’re in a financial bind for a reason, and the attorney understands that, so your consultation is free. Plus, you don’t have to spend the money for gas or babysitters so you can attend the appointment. The attorney is able to do the consultation and much of your follow-up work together by phone and email.
Debtors are often afraid that they will lose their home, their car, all of their possessions, and get their wages garnished if they file for bankruptcy. As a Bankruptcy Lawyer Des Moines can explain to you, there are laws to protect debtors who are going through bankruptcy, and the attorney may be able to help you file for bankruptcy while saving your house from foreclosure and letting you keep your car. While bankruptcy is serious, it can also be a fresh start and a way to erase credit card debt and medical bills.
You don’t need to compile all your bills or names of your creditors to have a consultation with a Bankruptcy Lawyer Des Moines. Once you do hire the attorney, the office will get all the information about your situation. First, at your consultation, the attorney will conduct a means test with you to help determine if you’re eligible to file for bankruptcy.
The means test questions are pretty simple. They’ll ask if you own a home or a car, if you’re behind on the mortgage or car payment, and if you want to keep the home or car. The Bankruptcy Lawyer Des Moines will also ask if you have any other recreational vehicles, any other properties, or any money coming to you. They’ll need to know if you have any judgments or liens against you, or any pending lawsuits, if your wages have been garnished, and if you owe any child support, alimony, back taxes, or student laons, because those are not discharge able in bankruptcy.