When you are so broke you can’t go bankrupt (you just don’t have the $1500 or so to begin filing for a bankruptcy and can’t cover your Long Island bankruptcy attorney fees) you’re really going to feel like you have hit rock bottom. But you are nowhere near alone. According to recent research published in 2012, somewhere between 500,000 and 1 million people in the United States alone aren’t able to file for bankruptcy because they just don’t have the money to do so. What an ironic turn of events. However, that doesn’t mean that you aren’t able to move forward in figuring out your financial future – far from it. There are a number of different things you can do to get right back on track financially, eliminating your debt, meeting your financial obligations, and maybe even filing for bankruptcy without having to throw down that big cash outlay up front. Here’s how to get started!
Get a 100% free Long Island bankruptcy consultation from real long island bankruptcy lawyer experts
The very first thing you’re going to want to do is get a bit of professional help and assistance in the form of a 100% free Long Island bankruptcy consultation from the best bankruptcy lawyers in Long Island. The experts at Blutter and Blutter have been providing bankruptcy help and assistance (as well as legal representation and advice) to our community members, neighbors, family members, and friends for 55+ combined years. They’ve earned the reputation of being some of the best bankruptcy lawyers Long Island has to offer, the kind of Long Island bankruptcy attorney professionals that you’d want to call in when your back is against the wall. Offering 100% free (and zero obligation whatsoever) consultations to just about everyone and anyone that needs some pressing answers and insider information about a bankruptcy in Long Island, these bankruptcy lawyer Long Island experts represent your best chance at coming out on top of this situation. There are other bankruptcy experts that you could seek answers from as well, many of them online. Just make sure that you’re working with real professionals, experts with a track record for success, and the kind of people that know the Long Island bankruptcy rules and regulations like the back of their hand. The last thing that you can afford to do is take advice from fly-by-night operations or people that wouldn’t know a bankruptcy procedure from their backside.
Work with a credit counselor
In 2005, the United States government made a number of major and sweeping changes to bankruptcies in the US and how they are supposed to unfold. One of the changes that they made had to do with the creation of federal credit counselors that work for you, 100% free of charge, to help you lay the foundation for your Long Island bankruptcy – or help you find specific strategies and tactics that you can take advantage of to avoid this situation completely. These credit counselors may not be able to provide you with the same kind of very specific and “targeted” legal advice and representation that the best bankruptcy lawyer Long Island has to offer can (like those professionals at Blutter and Blutter), but they are still going to be able to give you some information, some insight about your situation, and can also help to point you in the right direction moving forward. With the United States Government Accountability Office estimating that it costs right about $1500 to file for Chapter 7 bankruptcy, this visit with a 100% free credit counselor can save you a ridiculous amount of money ahead of time and give you answers that might allow you to avoid filing for bankruptcy in Long Island altogether. Of course, you could always “go it alone” There’s nothing stopping you from deciding to file for a bankruptcy in Long Island all on your own – but it’s not exactly something that any of the bankruptcy lawyers in Long Island (experts or otherwise) would recommend you do. Because we are talking about the United States federal government here and all of the crazy rules, regulations, laws, forms, and formalities that you are going to have to successfully navigate to not only file for a bankruptcy but also come out on top of this bankruptcy situation with your finances intact (and your personal and private assets still under your possession) – a heavy workload even for the best bankruptcy lawyers Long Island has to offer! Unless you are someone that absolutely loves the idea of spending every waking moment of your free time poring over legal documents, diving headfirst into the stressful and pressure packed world of walking into a federal court on a regular basis, sitting down at the negotiating table against the most expensive lawyers your creditors could find to be you into submission, you’re probably not going to want to handle this on your own. People that hire the best bankruptcy attorney Long Island has to offer aren’t doing so just because they want to take their hands off of the wheel, so to speak – but because they want to get results that won’t cripple them financially for the rest of their lives. Again, this isn’t to say that you couldn’t file for a bankruptcy Long Island petition on your own. It’s just not the smartest thing you could do. Even if it takes you a little while to scrape together the money to hire real professional Long Island bankruptcy lawyer services and puts you a little bit further behind the eight ball, most would recommend that you go down that route before you decided to take this process into your own hands. What about pro bono attorneys? Just about everyone is familiar with the fact that there are 100% free attorneys out there doing pro bono work, and some of them are even offering to tackle Long Island bankruptcy situations. And while some legal experience is better than absolutely none at all, you really have to consider whether or not you want your financial future (as well as all your money and property) to be in the hands of a lawyer that is working for free or some of the best bankruptcy lawyers in Long Island. It’s pretty much a no-brainer. Even still, you might want to work closely with pro bono bankruptcy attorneys Long Island that the courts can connect you with in the early stages of your bankruptcy process. They will (no doubt) have a firm handle on how these situations are filed and how to properly get the wheels in motion, and they can at least start you down the right direction – at least until you can hire better Long Island bankruptcy lawyers (like the experts at Blutter and Blutter) to take over. Just going to working with pro bono bankruptcy lawyers in Long Island with your eyes wide open, understanding that they aren’t going to be able to favorably compared to the best Long Island bankruptcy lawyer out there. It’s just not going to happen. Think of the long-term impact of this decision before moving forward When you get right down to it, you aren’t hiring a Long Island bankruptcy lawyer or a team of LI bankruptcy attorney experts to come in and do the legal “heavy lifting” for you – you are calling them in so that they can make sure that your financial future is protected while at the same time giving you a free and clear clean slate. This is a decision that you’re going to need to make right now (or pretty soon) that is going to have an impact on your life for decades and decades to come. Even though the immediate damage of a bankruptcy Long Island situation can be managed and mitigated effectively almost right off the bat, it’s going to remain on your personal financial permanent record from here on out. On top of that, the caliber of the bankruptcy lawyers Long Island, NY service you call in to assist you is going to determine and dictate whether or not you lose your shirt (and just about everything else you own) or successfully prevent your creditors from seizing all of your property and leaving you with next to nothing. Most people believe that the chance to make a short-term decision that alleviates all of the stress and pressure that they are dealing with right now, in the moment. However, research has suggested that when we make short-term decisions like this they almost always have negative long-term impacts – something that you’ll want to keep in mind. Contact Blutter and Blutter today If you want to make sure that you successfully navigate the world of Long Island bankruptcy, you need to team up with the best Long Island bankruptcy lawyer or Long Island bankruptcy attorney you can find. The bankruptcy lawyer Long Island services provided by Blutter and Blutter are widely regarded by many as the very best in the community, and for 55+ years they’ve been helping people just like you get back on track and avoid crippling bankruptcy penalties. Contact this bankruptcy attorney Long Island service today for a 100% free and zero obligation consultation.