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From the category archives: Ron Lundquist Bankruptcy Blog

Bankruptcy

Filing for Bankruptcy: 3 Critical Mistakes to Avoid

Don’t make these bankruptcy mistakes that can harm your case! Ron Lundquist, Attorney at Law, explains three critical mistakes to avoid during the bankruptcy process.

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Should You File for Bankruptcy? 3 Signs It’s Time

Feeling overwhelmed by your debts can be crushing. Anxiety about monthly payments, household expenses, persistent debt collectors, and ever-accumulating interest is enough to make anyone feel confused and even helpless. Misconceptions around filing for bankruptcy tend to paint the process in a seriously negative light; however, if you’re truly struggling, bankruptcy can provide you with an opportunity for a fresh start. How do you know when it’s time to take the leap and file? Here are a few of the telltale concerns that allow my clients and I to reach a consensus on a bankruptcy filing decision:

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Credit Repair: How to Bounce Back After Filing for Bankruptcy

Filing for bankruptcy—whether Chapter 7 or Chapter 13—will negatively impact your credit score; there's simply no way around it. However, you don't have to allow bankruptcy to keep your credit (or you) down. Recovering from bankruptcy is certainly doable, but it requires concrete goal-setting, diligence, and adherence to a strict budget and payment schedule. Curious about what you need to do to bounce back after such an impactful life decision? Below, you'll find helpful tips on how to repair your credit score and regain eligibility for future credit considerations.

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What is the Bankruptcy Process?

If you think it’s time to file for bankruptcy, it’s crucial you talk to a bankruptcy lawyer to learn how the process works. Deciding whether you should file for bankruptcy is a huge step, and you need to know what you are getting yourself into before you begin. When you contact my office, I will walk you through the process and will help you get back on your feet. I have helped countless customers combat their financial predicaments and will dedicate myself to your case to ensure you get the care you deserve. When you come to my office, I want you to fully understand the bankruptcy process, and here I will discuss some of the overlying aspects of this process.

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The Difference Between Chapter 7 and Chapter 13 Bankruptcy

If you’re in a situation where you are considering filing for bankruptcy, it’s important to know all your options. With the help of a reputable attorney, this process can be made easier for you. At Ron Lundquist, Attorney at Law, I can help you with all of your bankruptcy questions and needs. In addition to fully analyzing your finances to find solutions, I can recommend alternatives to bankruptcy and explain the two primary types of bankruptcy I handle. When my clients file for bankruptcy, I typically suggest filing for either Chapter 7 or Chapter 13 bankruptcy. Each of these options has its own qualifications and entails different things. Here, I will walk you through both of these options, so I can help you find the option that works best for you.

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Don’t Do These Three Things When Filing For Bankruptcy

Knowing what you should and should not do when you file for bankruptcy can be difficult. For this reason, you should always consult a reputable lawyer, like me, to ensure you are going about the process the right way. Not only will I ensure you are following the correct process, but I will also make sure you do not partake in certain actions that could get you into further legal trouble, such as transferring money or property. Here at Ron Lundquist, Attorney at Law, I will go through what you should avoid when filing for bankruptcy.

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What Should You Ask a Bankruptcy Attorney Before Filing?

Though you may think you know what type of bankruptcy to file for, it’s important to consult an experienced attorney beforehand to ensure it’s the right step for you. A consultation with me can ensure you’re taking the proper steps. I’ll analyze your paperwork and make sure you’re protected as you navigate this life change. Here, I will advise you on things to consider when you file for bankruptcy.

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Bounce Back From Bankruptcy

Filing for bankruptcy can knock the wind right out of you. You may feel helpless, discouraged, and angry. However, recovering from bankruptcy can be done, all it takes is hard work. Below, we will give you a brief overview on how to bounce back from Chapter 7 or Chapter 13 bankruptcy. If you’d like more in-depth help, contact our office today.

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What is a Means Test Calculator?

The test determines whether you are able to pay back your debt. If so, you won't be allowed to follow through with Chapter 7 bankruptcy. Instead, you may have the option of filing Chapter 13 bankruptcy.

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Questions a Bankruptcy Trustee May Ask You

When you file for bankruptcy, you will be required to attend a hearing known as a meeting of creditors (also called a 341 hearing). During the meeting, you will answer questions related to the information you provided in your documents. A bankruptcy trustee appointed to your case will conduct the meeting and ask the questions.

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