Bankruptcy Lawyer Effingham, IL
As a bankruptcy lawyer Effingham, IL offers from Pioletti Pioletti & Nichols understands, you are likely struggling with many questions as you consider filing for bankruptcy and want to get some answers before making any big decisions. We have helped many clients overcome their concerns with filing for bankruptcy and have shown them that this is not a step in the wrong direction. While it can feel like filing for bankruptcy is only an option for people who have nowhere else to turn, it is important to remember that bankruptcy can be the start of a whole new, and better, financial future. If you are in the Effingham area and believe that filing for bankruptcy is the right decision, give us a call now.
Do I need to work with an attorney to file for bankruptcy?
It is possible to successfully file for bankruptcy on your own without the help of an attorney. That said, why not work with the people who do this every day? We have the confidence to go through the documents and fight to give you the best options we can find so that you can wipe your financial slate clean and begin rebuilding your credit. No matter which type of bankruptcy you file for, it will be complex and our Effingham, Illinois bankruptcy lawyer would like to be there to walk you through this.
I have filed for bankruptcy in the past. Can I do it again?
Yes, it is possible to file for bankruptcy more than once in your life. It would benefit you immensely in this situation to have the help of one of our attorneys because filing for bankruptcy a second time can be slightly more complicated as you are dealing with time restrictions. For example, if you have filed for Chapter 7 bankruptcy sooner than 8 years, you will not be able to file a second time. Similarly, you will need to wait 6 years to file for Chapter 13 bankruptcy again.
Will I still deal with creditors during the bankruptcy process?
If you have initiated the bankruptcy process, the court involved will put an automatic stay in place. Creditors should not be harassing you or getting in contact with you about debt while this is happening.
If creditors are still harassing you during the bankruptcy process or you would like to speak with our team as you begin filing for bankruptcy, contact Pioletti Pioletti & Nichols to speak with our bankruptcy lawyer in Effingham, Illinois now.