When the debt collector’s calls and letters begin to be too much and the person is worried about losing the car or the home, he or she can contact a bankruptcy lawyer in Ozaukee, WI, to see what the options are. The lawyer is going to review their finances to see how much help they need and help them determine if bankruptcy is a valid option for them. If most of their debts are able to be discharged in a bankruptcy, the lawyer can then put a stop to the debt collector calls and start helping the person file for bankruptcy.

The first step would be to determine the chapter of bankruptcy best suited for the particular case. There are quite a few chapters an individual can file under, depending on whether they own a business, have a low income, or other factors. It can be difficult for a person to determine the most appropriate chapter on their own, but the lawyer will be able to help. Most of the time, an individual will file under Chapter 7 or Chapter 13. To qualify for Chapter 7, they must make less than the median income for the county they live in. If they don’t qualify, they can file for Chapter 13 instead. The lawyer will explain the differences and talk to them about what is going to happen with the chapter they file for.

Dealing with debt collectors and collection letters can be difficult, but there are ways a person can get help. If they aren’t sure of their options, they can consult a bankruptcy lawyer in Ozaukee, WI, for help. The lawyer will let them know what options they have and help them determine an appropriate path to take. Talk to a bankruptcy lawyer today if you’re having trouble catching up on all of your bills and see what they will suggest for your circumstances.