People who are deeply in debt may struggle to gain control over their finances. They may suffer having their wages garnished, their assets seized, and their bank accounts frozen until their debts are paid in full. Because these actions can cause people to go further into debt, many people today have no choice but to file for bankruptcy. This federal case requires that creditors stop their collection actions, unfreeze people’s bank accounts, and halt any actions to seize people’s property. When people need a legal way to gain control over their debt and look forward to a debt-free future, they may decide to work with a bankruptcy attorney in Manahawkin to file for bankruptcy protection.
When their bankruptcy attorney in Manahawkin files their case in federal court, people can then expect several things to happen after the filing. They will have to appear in court for a hearing before the trustee of the court. The trustee is a legal official who acts with the judge’s authority and finds out what debts people have and what challenges to the filing any creditors may pose to the court. The hearing can be very nerve wracking for the clients; however, their attorney will be with them the entire time and help them prepare for the trustee’s questions before they appear in court. The hearing may last less than an hour and, in most cases, sets in motion the debts being reorganized or discharged entirely.
More trustees are requiring credit counseling so that people avoid going into debt again. They can learn how to use credit wisely and build savings to pay for unexpected expenses. Once they complete their credit counseling course, the clients’ attorney can file proof of this completion with the court. The judge may then discharge their bankruptcy case, and people can rebuild their lives using credit and money wisely. A bankruptcy lawyer can be an invaluable asset to people who are serious about getting out of debt. Their lawyer can help them file a case in federal court asking for bankruptcy protection.
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