Is It Too Soon To Talk To A Bankruptcy Lawyer About My Debt Problems?

“Hi, this is Ike Shulman of Shulman Law Office. No, it’s never too soon to talk to a bankruptcy lawyer if you have debt problems. More importantly, don’t wait until it’s too late. A lawyer can help you go over your dischargeable debts, your non-exempt assets and any actions being taken or threatened to be taken by your creditors.

A lawyer can tell you whether you should file a chapter 7 bankruptcy or a chapter 13 bankruptcy. For example, a lawyer can tell you not to file a chapter 7 until all your anticipated debts have been incurred because it will be another six years before you are again eligible for chapter 7 discharge. Also, if a lawsuit threatens your exempt assets or future income, do file the case immediately to take advantage of the automatic stay that accompanies the filing of a Chapter 7 case.

If a creditor has threatened to attach or garnish your wages or bank account, file immediately in order to protect your interest in the property. If you have any questions about bankruptcy, contact me at 408-297-3333 or by email at