Chances are good that if you’re considering filing for bankruptcy, you’re in serious financial trouble. Many people try to go as long as they possibly can, stressing and scraping to make ends meet, before they admit that they need help. If you have been struggling financially for some time now, and you are ready to talk to a good bankruptcy attorney in Atlanta, there are few things that you should do first.
If you want your bankruptcy filing to go smoothly, and you want to set yourself up for long-term success, doing a bit of preparation can pay off. Your lawyer should be able to advise you further, but here are five things that you should plan on doing before your filing day.
Errors happen all the time on credit reports, so keep an eye on yours to ensure that the information is correct, and all of your creditors are listed properly. Don’t shrug off errors, especially leading up to a bankruptcy filing.
These days, creditors can levy your bank accounts fairly easily, to pay off your outstanding debts in bankruptcy cases. It is a smart idea to keep the balances on your accounts low, and make arrangements for your important bills like your rent and utilities to be paid another way.
Most people have automatic payments set up between their banks and regular creditors, but filing bankruptcy doesn’t always stop these payments right away. Take the time to suspend your automatic withdrawals, so you’re not left with any unpleasant surprises.
In many cases, overspending (especially on credit cards) is the reason people find themselves in dire straits, so it’s never too early to start making a spending plan for your post-bankruptcy life. You don’t want to end up in the same place all over again, so prepare for some serious adjustments.
Don’t make filing your case harder by forgetting paperwork, delaying meetings, or completing things incorrectly. Follow your lawyer’s lead, and stay on top of deadlines. Keep tight records of all of your forms, pay the filing fees on time, and show that you’re serious about getting a fresh start!
When you want a qualified bankruptcy attorney in Atlanta to chat with about your case, reach out to our office today!