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Chapter 7 Bankruptcy Filing

Today, people who have found themselves victims of a sour economy, bad business decisions, overburdened by healthcare costs, job loss, or marital separation, can find a fresh start and renewed hope.

There is no stigma to seeking help from Bankruptcy protection. This kind of help has existed in one form or another since the Roman Empire. It was understood then as it is today, that society is better off when its citizenry is productive and able to manage their finances.

In filing for Bankruptcy Protection, certain creditors may be paid, others may not be. The consumer can protect certain property (exempt property) and be relieved of most of their unsecured debt (credit cards, personal loans) while maintaining some secured property (homes with mortgages, depending on equity). Which debts will be dismissed and which assets will remain, is based on an individual's circumstances.

Free from the burden of mounting debt and harassing calls, a fresh start allows the consumer to move on and return to normalcy.

House Foreclosure

The time to consider a bankruptcy consultation is when financial woes begin  not after depleting life savings or borrowing from friends and family just to survive, according to David Schneider, Principle at the Law Offices of David R. Schneider, APC. Most clients are honest hard working people who exhaust every possible resource down to their personal piggy banks before considering a consultation with a bankruptcy attorney and are shocked at all the available options. In fact, after most consultations, the first words I hear are "I wish I'd called you months ago".