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What Are Five Benefits of Bankruptcy?
Bankruptcy is not something to jump into haphazardly. Chances are, if you are considering bankruptcy, you have considered every option possible to dig yourself out of debt. If you are thinking about filing for bankruptcy, you aren’t alone. Last year 1,074,225 individuals and families filed for bankruptcy in the United States.
A common misconception about bankruptcy is that it is a humiliating and miserable experience. However, many who experienced it tell a different story. Here are some benefits of filing for bankruptcy under Bankruptcy Code.
1) Bankruptcy restructures debt so it is manageable
The vast majority of people who file for bankruptcy genuinely desire to pay back their debts, they are just financially unable to. Filing for bankruptcy gives debtors a monthly payment plan that is manageable according to their income. By filing for bankruptcy, it is a message to creditors to expect to receive less money in the repayment deal.
2) A third party steps in to administer the debts, taking the burden off of the debtor
Imagine life without screening your calls and mounds of menacing mail. If you have been hounded by debt collectors or collection agencies then a bankruptcy case means relief. Under law, creditors are barred from phone calls or harassment in order to collect debt. For Chapter 13 filings, debtors pay a set monthly amount to an administrator for either three or five years, based upon income and net worth. The administrator distributes payments to the various creditors, leaving you completely out of the process.
3)Lose obligation to pay debts
A bankruptcy case means a discharge of all debts, which also halts lawsuits, prevents garnishments, averts repossessions of vehicles, and stops foreclosures and IRS seizures. In a sense, whatever you were obligated to pay before filing for bankruptcy is wiped out if you follow the agreement.
4) Teaches you to budget
As a part of going through bankruptcy, a debtor must put together a list of all of their monthly expenses broken down in categories. In a sense, by law you are required to create a budget. Financial experts often cite creating a budget as the most important part of financial responsibility. By creating and sticking to this budget as you move forward, it can be greatly beneficial to your financial future.
5) A fresh start
Much of the toll of financial problems and accumulating debt is on the emotional well-being of the parties involved. By filing for bankruptcy, the slate is wiped clean. It is an opportunity to start again without all of the baggage of debt carried along. That forgiveness can bring great relief and excitement for a new direction.
If you are seriously considering bankruptcy and you live in Southern California, contact the firm that focuses exclusively on Southern California bankruptcy laws, Borowitz and Clark L.L.P. Not all bankruptcy attorneys are the same. While the process appears complicated, a Southern California bankruptcy attorney will be able to help you understand your options and avoid making bad decisions. You get one chance to file bankruptcy right the first time. The attorneys at Borowitz and Clark know what they’re doing, because bankruptcy is all they do. Unlike many firms, they never leave a paralegal or secretary in charge of a case. That’s why their cases succeed at such a high rate—even higher than many other bankruptcy firms. For a free consultation, contact a qualified Southern California bankruptcy attorney from Borowitz and Clark toll-free at 800-509-3200, or visit www.blclaw.com.
Brian Reed. southern california bankruptcy If you're filing for bankruptcy in Southern California, contact Borowitz and Clark, experienced bankruptcy attorneys who take your case from start to finish.
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