If bill collectors will not stop calling and you are struggling to make ends meet, it might be time to consider filing for bankruptcy. Since the process is complicated, the bankruptcy lawyers of Swartz Law Office LLC in Batavia, OH has broken down the bankruptcy process into five simple steps to help you get out of debt and get your life back on track.

1. Collect Your Financial Paperwork

The first step in filing for bankruptcy is gathering your important financial paperwork. Included should be a list of your total debts including credit card debt, mortgages, car payments, insurance, and any other debts you have accumulated. You will also need proof of your income from the prior six months. Attach copies of statements and pay stubs as a backup, if available.

2. Meet With A Bankruptcy Lawyer

After you have gathered your financial documents, it is time to seek out a legal opinion. A bankruptcy lawyer can review your documents, explain the differences between Chapter 7 and Chapter 13 bankruptcies, and advise you on whether bankruptcy might be the right solution for you.

3. File The Bankruptcy Petition

Once you have determined whether to file for Chapter 7 or Chapter 13, your lawyer will assemble and file the bankruptcy petition on your behalf. Your petition will include multiple local forms, schedules, and the infamous “means test.”. This meeting with your attorney is the one bringing the most relief to your stressful situation. Once you have decided on bankruptcy and paid your lawyer, your attorney should advise you to respond to all creditors call with telling them you are in bankruptcy and to contact your attorney. This statement stops all contact from creditors immediately.

4. Prepare For & Attend The Hearing

Before you can attend the hearing, you will need to complete a two-hour credit counseling class. Your attorney can direct you as to where you can enroll in this course. Additionally, you will need to gather copies of your Social Security Card, driver’s license, your prior year’s tax returns, and all documents filed with the court. Once the hearing starts, your lawyer will make your case to the judge.

5. Wait For The Results

In about three to four months, you should receive a notice in the mail from the court that states that all of your debts are discharged.

To speak with a bankruptcy lawyer about filing for bankruptcy or getting mortgage help, contact Swartz Law Office LLC in Batavia, OH call (513) 732-0900 or visit their website.