As beneficial as filing for bankruptcy can be, the process can seem complex and intimidating, leading many struggling borrowers to hesitate. Fortunately, a skilled bankruptcy attorney can guide you through the system, ensuring that all your paperwork is filled out properly and working to help you keep as much of your property as possible. Greg Dunn, Bankruptcy Attorney in Honolulu makes the process easy, with free consultations and sound legal advice every step of the way.

At your initial appointment, he and his team will draw upon their in-depth understanding of the system, taking the time to develop a complete picture of your finances. They'll ask a variety of questions, including:

• Debts Owed: Some debts can be completely eliminated in a Chapter 7 bankruptcy, but a Chapter 13 filing might be better if you want to keep paying secured debts like a mortgage or auto loan.
• Current Assets: If you're planning to file a Chapter 7 and you make more than the median income in your state, you might have to pass a means test. The trustee of the court may also be allowed to seize some of your assets to pay back a portion of your debts.
• Living Expenses: The means test for a Chapter 7 bankruptcy involves weighing your expenses against your monthly income. However, if you plan to file for a Chapter 13, you'll have to demonstrate that you have the financial resources to keep up with your bankruptcy payments along with all your other expenses.