Specializing In Stress and Debt Relief?Your Bankruptcy Lawyer ...

Maybe you are stressed because of a job loss, a divorce, an illness and you just can?t see a way to keep up with your bills. The government says there is no inflation but your income and the gas pump know better. Keeping up with the higher cost of living is pushing you further and further behind.

When your debt gets out of control, the phone calls, letters, and threats of lawsuits begin. The stress that comes with too much debt can affect your health and your family. Lots of people across the country and in Montana are looking to cure stress with a look at bankruptcy.

This article is intended to answer some of the most common questions you might have in trying to decide whether bankruptcy is right for you. Can I keep my home? or what happens to my car, are just a couple of the most common when filing bankruptcy. While this article can not specifically give you legal advice, I can give you general answers. For specifics, you will want to contact a bankruptcy lawyer or bankruptcy attorney who specializes in this area.

The most common form of bankruptcy where you clear all your debts is a Chapter 7, or ?straight bankruptcy.? Chapter 7 can allow you to wipe our your debts in exchange for giving up property not excluded under the law. What a Chapter 7 does NOT do is keep a mortgage lender or a car loan creditor from taking your property.

Laws vary across the US in terms of property that is exempt in a Chapter 7 filing. Here?s Montana?s list of exemptions for example. Chapter 7 in Montana allows you to keep:

Equity in your home (what your home is worth minus what you owe the mortgage company).

The market value of your car minus what you owe the lender.

Certain household products.

Tools and equipment you need for your job.

Disability benefits and social security.

A bankruptcy lawyer can be more specific or the rules in the court in your area. The cost to handle your case can be very different from one bankruptcy lawyer to the next, but it shouldn?t be the major factor in your decision. Bankruptcy lawyers should be judged like other professionals, like doctors. You are purchasing a service from them. Getting your questions answered completely and thoroughly should something you expect.

You have hired a professional bankruptcy lawyer. This person is your representative in this case. They should know everything about your finances. Getting comfortable with your bankruptcy lawyer is an important step in reducing your stress in the case.

Filing bankruptcy gives you the chance to:

Eliminate your debts and get a fresh start.

Keep you in your car in certain circumstances.

Block garnishment of your wages.

Keep debt collectors off your phone.

Everyone has been hurt by the global economic downturn. If the harassing phone calls and messages about bills are bothering you, consider a consultation with a lawyer. Bankruptcy lawyers and bankruptcy attorneys generally do consultation for free. They can answer your questions and give you a less stressful outlook on life.

Billings bankruptcy lawyer John Heenan gives superb free consultation to help delete the stress of financial worry. The best compliment you could give John? Tell him he doesn?t talk or act like a lawyer. He?d love that. John?s been a trucker, a Teamster member, and now gives you superb legal representation. Helping people is what they do at Heenan Law Firm

Source: http://www.articleimp.com/specializing-in-stress-and-debt-relief-your-bankruptcy-lawyer

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