Life is full of surprises, some are good while others are bad. Unfortunately, many bad surprises are ones that cost a lot of money to take care of. In turn, many people are left dealing with large amounts of debt. If you’re wanting to find debt relief, it’s often helpful to consider filing bankruptcy. In fact, research shows that 333,626 Chapter 13 bankruptcies were filed throughout the United States during 2013. If you’re thinking about filing for bankruptcy, it’s wise to have a professional help you throughout this process. In this post, you’ll learn why it’s so beneficial to have a bankruptcy attorney on your side.

1. Determining Which Type of Bankruptcy to Declare
   
   It makes sense to assume that there’s only one main type of bankruptcy. However, this isn’t the case. There are several types of bankruptcy to consider filing for, each with its own unique set of advantages. You’ll find that Chapter 7 bankruptcies are shorter than others to complete, typically lasting only six months. However, this type of bankruptcy might not be the best option for your situation. Fortunately, a bankruptcy law firm can help you determine which type of filing is the best option.
2. Ensuring Bankruptcy Paperwork is Performed Correctly
   
   Before filing for bankruptcy, you’ll need to complete a fair amount of paperwork. If you’re trying to handle this own, it’s likely going to be a stressful process. Making matters worse, it’s easy for someone without bankruptcy or legal experience to make mistakes. If you want your bankruptcy paperwork filed in a fast and efficient manner, it’s wise to have a lawyer’s help.
3. Avoiding the Stress Associated with Collection Calls
   
   Many people find debt relief solutions to avoid dealing with the constant hassle of collection calls. The pressure of being hounded by debt collectors is enough to make anyone feel stressed out. Fortunately, you can find debt relief while also avoiding calls from debt collectors by hiring a bankruptcy attorney. In certain situations, collectors will avoid calling you after learning that you’ve hired a lawyer to help remedy your financial situation.
4. Helping You to Value Your Belongings
   
   An essential aspect of filing for bankruptcy is determining the value of your belongings. Considering that, the valuation process is often difficult for those doing this for the first time. Fortunately, bankruptcy attorneys can help ensure you’re accurately valuing your belongings.

In closing, there are several reasons to think about hiring a bankruptcy attorney. There are many reasons someone might have no choice but to file for bankruptcy. Research shows that unpaid medical bills forced almost 2 million people to file for bankruptcy during 2013. Regardless of the reason you’re filing, a low cost bankruptcy attorney will provide immense amounts of help throughout this process. In turn, you’ll be able to successfully file for bankruptcy and move forward in your life.