Filing for bankruptcy what to do first ?

No one ever wants to think that they are going to have to file for bankruptcy. These days, due to the economic upheaval, financial crisis, and housing bubble many good people have had to plan for bankruptcy. They had made decisions that looked sound at the time, but got caught up in a financial firestorm. If you were one of those people and feel it is time to start planning to file  bankruptcy there are a few things to keep in mind.

First is, make an appointment with a bankruptcy lawyer. I understand that this will be scary. No one wants to face this.   Making the call can feel uncomfortable and  embarrassing.  Some San Diego bankruptcy lawyers, myself included, offer a free consultation.  The purpose of your meeting is to determine if you qualify for bankruptcy.  It is to your best advantage to speak to a bankruptcy lawyer about this.  Due to the Internet and proliferation of information, clients that we speak to sometimes believe that they can determine if they qualify for bankruptcy online.  Nice thought, but it really isn’t that easy.  A bankruptcy attorney can give you the most realistic information that you need.  Not meeting with the bankruptcy attorney is never in your best interest.

When you meet at your first appointment to see a bankruptcy lawyer, bring least six months of your pay stubs. Plan ahead: before you schedule your appointment to speak to a bankruptcy attorney call your HR department and get a copy of six months of your pay stubs.  If you are married, bring your spouse.  Even if your spouse isn’t filing with you, he (or she) will still usually have to sign a waiver.  Plus, if you decide to file bankruptcy, going forward all joint credit will be affected. Keep this in mind when you call to schedule your appointment with your bankruptcy lawyer. The third thing you will need to consider when planning for bankruptcy is to stop using your credit cards for significant credit card charges. This would mean no vacations, no last hurrah :=)

 Planning for bankruptcy is something you should congratulate yourself for. You're taking the first steps in being proactive to get under control the financial firestorm you find yourself in.  It's a scary step, but will benefit your family and you

.http://www.bankruptcy-sandiego.com/calculator.html