Filing personal bankruptcy can be a harrowing experience. If you're unable to pay your bills in the first place, you may be asking yourself, how in the world are you expected to come up with the money to cover the court and lawyer costs involved in filing bankruptcy?
Here are three possible options to keep in mind if you're looking for affordable bankruptcy choices.
#1 - If you're a low-income wage earner, it's likely that there's already a program in your state providing reduced cost or even free bankruptcy services.
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These programs may be state sponsored or private non-profit.
And they can also be a real life saver if your financial situation is so precarious that you're unable to scrape up the money needed to hire a competent bankruptcy attorney.
Your best bet is to do an online search for low-income bankruptcy assistance programs in your state.
#2 - Consider asking friends or family for assistance and/or loans.
I know - debt is what got you into this mess and now you should assume even more? And talk about shame and embarrassment. When you're drowning in debt, the last thing you want is for everyone to know it.
As someone who has collected and published numerous personal bankruptcy stories, there are some common themes and experiences I see again and again.
One of those themes is a misplaced sense of shame. That's a big one. But you need to remind yourself that you are NOT your debt, and just because you find yourself in an impossible financial situation does not mean you're a bad person.
Another comment element I hear from those who have previously gone through the bankruptcy process is how common it is to request (and receive) a little short-term assistance from family and friends when it comes time to putting together the necessary funds to file.
Once you're on the other side of the bankruptcy process, you're going to be in a much better and more liberated financial position. It's very likely, in fact, that you will have the ability to quickly pay back any money your borrowed from family or friends for your legal expenses.
And my recommendation is that you do pay it back as quickly as you can - and believe me, it's going to feel great doing so.
#3 - Contact several local bankruptcy attorneys directly.
Use the phone book if you have to, but it's a good idea to contact several bankruptcy attorneys. You can really learn a lot by simply phoning up several attorney offices to get a feel for how much the entire process will cost you, and which attorneys might be more willing to work with you considering your financial situation.
Don't stress over this. Yes, you probably just want the process yo be over as quickly as possible, but investing a little extra time and energy into this step may end up saving you in the long run.
And beware any offers that fit into the "too good to be true" category. Bankruptcy lawyers are in the business of making a living - if you receive a quote that's dramatically lower than what all the other firms are telling you, make sure you understand everything that firm is planning on doing on your behalf, or what additional costs they may charge you later.
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