Why You Need A Bankruptcy Attorney
Federal and state bankruptcy laws are very complicated. The bankruptcy reform law (also known as the new Bankruptcy Code) has only made it even more complicated. When you file your bankruptcy paperwork you become subject to criminal prosecution for false oaths or for failing to properly disclose all of the required information. A qualified bankruptcy attorney from Sparber Rudolph Annen can ensure that all your paperwork is in proper order.
A qualified bankruptcy attorney will also be able to tell you which type of bankruptcy is best in your case. If you mistakenly file a Chapter 7 instead of a 13, you risk possibly losing your home or other property that may have been saved with a Chapter 13. If you mistakenly file a Chapter 13 instead of a 7, you risk paying on your debts for five years and still be in debt at the end (your debts not discharged).
Paper Mills
There are agencies that fill in forms for you. These are often referred to as paper mills. These paper mills are precluded by federal law from providing you ANY legal advice. If you are unsure of which bankruptcy to file, or what you should do, they are not able to tell you. You will be on your own in uncharted waters.
Contrary to the law, many of these paper mills often provide legal advice and the worst part is that such advice is often wrong. When you receive erroneous legal advice from an illegal source, there is little you can do to correct the situation. Attorneys are trained in the law and will examine all the aspects of your case so that you are assured you are doing the right thing. In short, a qualified bankruptcy attorney can provide you with the legal advice necessary for you to make an informed, intelligent choice.
We Can Help
Contact the San Diego bankruptcy attorneys at Sparber Rudolph Annen today for your free initial consultation.