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    Research your options as it relates to filing. Some people choose to file without the aid of a lawyer. However, it's highly recommended to hire a lawyer. In most cases, people who choose large firms t

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    Bankruptcy can be a hard pill to swallow, especially if you consider yourself to be responsible. The credit card companies don't care about making things easier for you, no matter how loyal you have been. Here's what to expect when you file bankruptcy, and how to make it as painless as possible.

    Under the Bankruptcy Abuse Prevention and Consumer Protection Act ("BAPCPA"), prior to filing a bankruptcy case, an individual must obtain some consumer credit counseling from an entity approved by the U.S. Trustee within 180 days of the date of the filing of a bankruptcy case.

    Consider the two common bankruptcy types. The most popular is the chapter 7 (which is a straight or liquidation bankruptcy), and there is also the chapter 13 (which is a repayment plan for individuals). BAPCPA has made it more difficult to file a chapter 7 case because of the means test.

    Research your options as it relates to filing. Some people choose to file without the aid of a lawyer. However, it's highly recommended to hire a lawyer. In most cases, people who choose large firms to

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    to expect when you file bankruptcy, and how to make it as painless as possible.

    Under the Bankruptcy Abuse Prevention and Consumer Protection Act ("BAPCPA"), prior to filing a bankruptcy case, an individual must obtain some consumer credit counseling from an entity approved by the U.S. Trustee within 180 days of the date of the filing of a bankruptcy case.

    Consider the two common bankruptcy types. The most popular is the chapter 7 (which is a straight or liquidation bankruptcy), and there is also the chapter 13 (which is a repayment plan for individuals). BAPCPA has made it more difficult to file a chapter 7 case because of the means test.

    Research your options as it relates to filing. Some people choose to file without the aid of a lawyer. However, it's highly recommended to hire a lawyer. In most cases, people who choose large firms t

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    t obtain some consumer credit counseling from an entity approved by the U.S. Trustee within 180 days of the date of the filing of a bankruptcy case.

    Consider the two common bankruptcy types. The most popular is the chapter 7 (which is a straight or liquidation bankruptcy), and there is also the chapter 13 (which is a repayment plan for individuals). BAPCPA has made it more difficult to file a chapter 7 case because of the means test.

    Research your options as it relates to filing. Some people choose to file without the aid of a lawyer. However, it's highly recommended to hire a lawyer. In most cases, people who choose large firms t

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    the chapter 7 (which is a straight or liquidation bankruptcy), and there is also the chapter 13 (which is a repayment plan for individuals). BAPCPA has made it more difficult to file a chapter 7 case because of the means test.

    Research your options as it relates to filing. Some people choose to file without the aid of a lawyer. However, it's highly recommended to hire a lawyer. In most cases, people who choose large firms t

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    Research your options as it relates to filing. Some people choose to file without the aid of a lawyer. However, it's highly recommended to hire a lawyer. In most cases, people who choose large firms to represent them will work with a paralegal and not the lawyer. Try to find a firm in which you have direct contact with your lawyer.

    Meet with the lawyer you've selected and go over your "case." They will determine which chapter is best for you, based on your financial affairs. A lawyer will also assist you with completing the BAPCPA's means test.

    Find out how much it will cost. Some lawyers will charge a flat fee, while others will charge based upon the amount of debt that you have. The former is always the best route to go. The average fee is $1,700. There are some places that will file for free if you do not have the financial means to do so. The average fee will vary depending upon where you live.

    Refer all creditors to your lawyer's office, once he or she has been retained. They will then be able to speak on your behalf (which means

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