Chapter 7 Des Moines: Signs that You Need to Hire a Chapter 7 Bankruptcy Lawyer

by | May 21, 2013 | Law

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Are you in need of the services of a Chapter 7 Des Moines Bankruptcy Lawyer? If your intention is to file for Chapter 7, it is extremely important that you hire the services of an expert who will help you through the entire process. Hiring the services of an attorney will enable you to avoid some of the costly mistakes that most people make while filing for Chapter 7 thus resulting in the dismissal of their cases.


Is filing for Chapter 7 the right decision? In case you are not certain about whether or not you ought to file for bankruptcy, you also need to consult a reputable bankruptcy attorney who will provide you with the best legal counsel. Given that this is a move that comes with long-term consequences, it is important that you talk to a lawyer specializing in bankruptcy cases in order to determine if you are making the right decision.


So what are some of the signs that you need to file for Chapter 7 bankruptcy? Listed below are common indicators that should prompt you to consult a Chapter 7 Des Moines bankruptcy attorney:


1. You have fallen behind your mortgage payment


The desire to ensure that your mortgage payment is back on the right track is one of the key reasons why you need to call a Des Moines Chapter 7 bankruptcy lawyer. There are many occasions when a homeowner will find him or herself besieged with mountains of unpaid bills. During such occasions, they will be confused with respect to what to settle first.


Ensuring that your credit card payments are made on time means that you are ignoring your mortgage. If you are in this kind of scenario, then you need to consult a financial expert. On the other hand, if creditors are constantly calling your home and harassing you at the workplace with an aim of making you pay the amount owed to them, you need to immediately get in touch with an experienced bankruptcy attorney.


2. You are not employed


If you were recently laid off work and have no capacity to settle your bills on time, you need to search for a permanent solution to your debts. This is especially important if the unemployment rate is extremely high thereby preventing you from securing a suitable job as soon as possible.