In 2005, the United States Congress enacted substantial changes to the United States Bankruptcy Code putting in place certain constraints on debtors’ ability to file under particular chapters and placing some important procedural hurdles to filing. As a result, it is more important than ever for insolvent consumers to consult with a qualified bankruptcy attorney before filing any bankruptcy petition.
A bankruptcy attorney will help you avoid common mistakes and assure that your petition is filed correctly the first time. More importantly, a bankruptcy lawyer will advise you on the probable outcome and issues that will arise in your bankruptcy case. Filing without a clear idea of what the bankruptcy process entails and what to expect in your individual case can be avoided by consulting with a qualified bankruptcy professional.