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What You Can Do If You're UnemployedArticle Summary: Bankruptcy lawyer Michael Sandler has successfully represented hundreds of clients in his legal career. His practice, The Law Offices of Michael J. O. Sandler PLLC, is located in Fairfax VA, and gives clients the personal attention they need. Here, Sandler talks about what you can do if you are unemployed, in debt, and want to get back on the road to recovery.
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Bankruptcy lawyer Michael Sandler has successfully represented hundreds of clients in his legal career. His practice, The Law Offices of Michael J. O. Sandler PLLC, is located in Fairfax VA, and gives clients the personal attention they need. Here, Sandler talks about what you can do if you are unemployed, in debt, and want to get back on the road to recovery.
In current economy, many people wonder whether they are really eligible to file for Chapter 7 bankruptcy if they are unemployed. In my opinion, the answer is a resounding yes - but you need a competent bankruptcy attorney to make sure the timing is right.
Filing a Chapter 7 Bankruptcy
Obviously, people who are unemployed for extended periods of time can accrue a lot of debt. Oftentimes they are forced to try to meet their monthly obligations by using credit cards, taking out credit card loans and personal loans, tapping home equity lines, and so forth. Likewise, when [url=http://210.150.138.115/cgi-bin/bbs/fantasy.cgi/chili/ile-de-paques/place/2]www.thehygienerevolution.com/[/url] people lose their jobs, they usually also lose their health insurance, which can result in large medical bills.
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However, you should keep in mind that bankruptcy will discharge debts [url=http://www.tileproject.net]barbour sale[/url] due on the date of filing, and not debts accrued thereafter. So if you file a Chapter 7 bankruptcy and you have a serious medical condition and are unemployed without insurance, then you could still accrue serious [url=http://www.fjjszk.org/forum.php?mod=viewthread&tid=223546]hollister pas cher Offshore Web development - Which yonder makes development of[/url] debts after filing - and those will not be discharged under the bankruptcy.
Determining the Timing of Your Filing
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You should also keep in mind that any bills accrued within three months of filing the bankruptcy case can be problematic because under the current bankruptcy law, there is a presumption that you know you're going to file bankruptcy 90 days before you do so. Therefore, if you accrue $4,000 in advances on your credit [url=http://www.rtnagel.com/airjordan.php]nike air jordan pas cher[/url] card a month or two before filing, that credit card company may very well file an objection with the court stating that you violated the [url=http://www.teatrodeoro.com/hollisterde.php]hollister[/url] cardmember agreement and committed fraud because you never had the intention of repaying that $4,000.
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Timed correctly, a Chapter 7 bankruptcy can help you [url=http://www.sandvikfw.net/shopuk.php]hollister sale[/url] on the road to recovery, obviously along with new employment. Therefore, I recommend that you hire an experienced bankruptcy attorney for your filing and disclose all of the information to him.
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For clients in Fairfax, it's a good idea to call The Law Offices of Michael J. O. Sandler PLLC for help. My fees are reasonable as I run a small business, and I give personal attention to each and every client. You will not be working with some paralegal and meeting your lawyer for the first time when you meet with the bankruptcy trustee. Instead, you will get to know me and have me represent you from the [url=http://www.mquin.com/pjsdoudoune.php]parajumpers pas cher[/url] beginning of your case until it comes to a close.
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