So, you live in or near Lincoln, NE and you recognize that the only way to get rid of your credit card or medical debt is by filing for bankruptcy. We understand this can be a challenging realization, especially considering the stacks of confusing paperwork you’ll have to file to gain protection from your creditors. That’s why we’re here to walk you through this process and make it as painless as possible for you and your family.
To file a bankruptcy, start by contacting a bankruptcy attorney.
- Bankruptcy forms are available online, but they can be confusing and time-consuming to fill out. With something this important to your future, it’s essential to have as much help and advice as possible to make sure you and your family become financially secure.
- We at Steffens Law Office take pride in how easy we make it for our clients to go through the bankruptcy process. We’ll walk you through each step, protect you from creditors, and offer advice so you don’t have to do it alone.
Take inventory of everything you own.
- We know this part can be overwhelming, but we’re here to help.
- You’ll need to consider your clothing items, jewelry, furniture, electronics, vehicles, businesses, business tools, family partnerships, inheritances, and land.
- Once we know the above information, we can strategically help you protect what you can.
Gather all your debt paperwork. (Yes, all of it!)
- We’ll gather your credit information for you, but we’ll need you to gather your latest bills so we can make sure they’re resolved in the bankruptcy as well.
- This includes medical bills!
- When we have the paperwork, we can be a step ahead of the creditors and make sure we protect you from every last one.
Gather other important financial documents.
- This includes tax returns, bank statements, pay stubs, your driver's license, and your social security card.
- These documents can be time-consuming to gather, but it’s important to get them to your attorney as soon as possible.
- This is because the trustee (a third-party court supervisor) needs this information to hold your 341 hearing.
- Without these documents, the trustee will continue (delay) the hearing once, which might subject you to more attorney fees.
- If the documents aren’t submitted by your second hearing date, your bankruptcy will be dismissed without getting rid of your debts.
Review your bankruptcy paperwork with your attorney.
- Make sure everything is correct before you sign anything. Your signature tells the trustee that what’s in the document is accurate!
- You do have opportunities to amend schedules if new information shows up, but it may cost you more money.
- We want to make sure that doesn’t happen, and everything is right the first time.
Filing bankruptcy is difficult and can be overwhelming at times. That’s why at Steffens Law Office, we’re here to make everything as easy as possible for you. Our attorneys know what it’s like to be working hard while taking care of a family and we want to lift the burden from you and help you and your family toward financial freedom.
If you’re wondering if bankruptcy is right for you, give the team at Steffens Law Office a call today at (308) 872-8327.