Preparing is vital in an effective and successful bankruptcy case, and knowing how to prepare is equally essential.     


Often, the solution to those sleepless nights of thinking about overwhelming and crushing debts is to file for bankruptcy. It can get intensely annoying and anxiety-inducing receiving those harassing calls from creditors that seem to hound your every step and movement that you feel like you’re no longer having any semblance of a normal life. And if everything becomes too much and too unbearable, filing for bankruptcy would be the best answer to get you that much-needed debt relief – not to mention restore your sanity and regain those restful and peaceful nights!


For cases of bankruptcy in San Diego, California, the Law Offices of Ronald E. Stadtmueller are the experts that you can trust and go to make those guided choices and decisions when it comes to securing that opportunity to get back on the road again after that momentous financial collapse in your life. With over 30 years of legal experience, the firm specializes in Chapter 7 and Chapter 13 bankruptcy, the Bankruptcy law and practice, and has helped thousands of people recover their financial control, all with effective results within three months’ time. With accessible offices in Mission Valley, Rancho Bernardo, San Marcos, and La Jolla, let Ron Stadtmueller and his team make the bankruptcy process as painless and as comfortable for you while you get ready to embark on that secured future once again.


Tips for Filing Bankruptcy 


It can be a bit challenging, even intimidating at times, when you finally decide to start filing for bankruptcy. It may not be easy, but then again, it is probably the best choice you have, and you need to make to get out of that awful and exhausting debt situation. The first step is always the hardest. Hence, we listed some tips that you’ll find helpful as you roll up your sleeves and prepare for the bankruptcy undertaking.


Find the Experts in the Field 


A bit of excellent and most practical advice is to go to the experts or those specializing in bankruptcy. A good bankruptcy law firm helps you determine the suitable type of bankruptcy to file for your debt situation. If your income meets the “means test” and isn’t enough to wipe out your debts, then you qualify for an “asset liquidation” Chapter 7 bankruptcy. If your income fails the means test, you’d probably belong under a “wage earner’s plan” or a three to five-year installment repayment plan under Chapter 13 bankruptcy. Or, if you’re a business owner, you could qualify for a Chapter 11 bankruptcy.


Either way, those law firms specializing in bankruptcy, such as the Law Offices of Ronald E. Stadtmueller, do more than tell you which type of bankruptcy to file. Their firm’s lawyers ensure that you understand precisely what needs to be undertaken. They guide you through every step to fully maximize the best financial remedies available for your specific financial condition.


Honesty is the Best Policy


Be completely honest about your entire financial situation when you’re talking to your bankruptcy lawyer because that’s the only way you could work together to devise a successful plan to get you debt-free fast. This includes complete disclosure of your assets, income, and all of your debts. Assets include all tangible and intangible property, so don’t ever think of even trying to hide any of your property.


Also, do not attempt to transfer any of your property to anyone if you’re about to file bankruptcy or within two years before you file for bankruptcy, especially during the bankruptcy process, since this will end up causing you more problems than you think.


Remember that part of the proceedings means that you must certify that all the information provided on the bankruptcy forms is accurate and complete, under the penalty of perjury or bankruptcy fraud, which can lead to criminal charges and bankruptcy case dismissal.


Be Prepared to Go Public


Bankruptcy filings aren’t confidential. They are available on public records and for public viewing. Aside from that, you need to attend a public forum meeting with your creditors where a bankruptcy trustee will mediate and ask you questions about your financial situation. It may seem a lot to take in, but this is why it’s essential to have the right bankruptcy law firm partner come in to be with you and assure you throughout the process.


What you should do


Let’s face it. Choosing a good bankruptcy law firm will make a significant difference to the outcome of your bankruptcy case, and, of course, you want to ensure that you’re on the winning side of it. Contact the Law Offices of Ronald E. Stadtmueller at (858) 564-9310 and get a free one-hour consultation. Call them now, and see the difference.


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