If you are looking for information about consumer bankruptcy, you probably have more debt than you can handle. You desperately need information, options about consumer bankruptcy and hopefully other types of debt relief options as well.
On the Internet, you will find an overwhelming amount of information about consumer bankruptcy, consumer bankruptcy options, non-bankruptcy options for consumers. Much of it is confusing and contradictory. Some of it is just plain wrong.
Even the information put out by the courts, would you expect to be factual and helpful, is often not much help. There is a good reason for this. Any information that will actually be useful to you in helping you make any decision about what you need to do really must be tailored to your specific circumstances. There is simply no way that any general article – no matter how well written – about consumer bankruptcy is going to be very helpful for your specific problems.
Therefore, if you are looking for information about consumer bankruptcy, you really need to talk to consumer bankruptcy attorney.
But, this also poses a problem. The consumer bankruptcy attorney is typically not also a certified consumer credit counselor. Nor is the consumer bankruptcy attorney going to be a certified debt specialist either. In most cases, the consumer bankruptcy lawyer can simply tell you about your options for consumer bankruptcy, not other options that do not involve bankruptcy. They are not taught these non-bankruptcy options at law school and few if any attorneys in my experience have taken the time to go back to school to become certified as credit counselors or certified debt specialist.
So, what is a consumer to do if they are trying to figure out how to get out of debt that they simply have no ability to pay? One answer is to seek the advice of several different specialists, by going to several different people, several different offices, and then trying to piece the information together themselves. I solve this problem for my clients because I am a certified credit counselor, certified debt specialist, certified student loan counselor and also a board certified consumer bankruptcy specialist. I help people compare all other options, non-bankruptcy and bankruptcy options so they can determine whether or not a consumer bankruptcy, and chapter 7 or and chapter 13, is the best option for them.
Interestingly, about 30% of the people who I counsel do not need a consumer bankruptcy.
They are better off using a non-bankruptcy approach. Sometimes it takes a little bit longer to resolve their debts by using a non-bankruptcy approach but there are often other benefits that outweigh the detriments. It is this weighing the pros and cons of different options – in and out of bankruptcy – that you really need. You need a multidisciplinary approach to get the best answer for your specific needs.
If you are looking for information about consumer bankruptcy, don’t stop there, get information about consumer non-bankruptcy options as well. If you can’t find a counselor who can bring it all together for you, then the best way to do this is to visit several different counselors and piece it all together for yourself. If you are in southern Ohio, Dayton and Cincinnati area, you can call my office for a telephone consultation.