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Why Proven Tactics Are Important

The truth is, personal Chapter 7 and 13 bankruptcy case success depends on the strategies you choose. These personal tactics and strategies include far more than understanding Chapter 7 means test. You cannot simply whip out a means test calculator and know, with any degree of certainty, that you claimed the maximum benefits available. No. Not at all. You must delve deeper.

Thinking about personal strategies for filing bankruptcy is the first step. Consider what you hope to accomplish, how you may safely and legally proceed, and when you must begin taking action. Then, once armed with knowledge, begin implementing you plan as early as possible. A great strategy should begin optimizing your results more than six months before you file. In some cases, an individual's personal planning should begin more than a year in advance.

Personal Strategy
The Right Personal Strategy Makes Filing Bankruptcy Much More Profitable

Begin Planning as Early as Possible for Best Results

The first issue you must resolve when considering personal strategies is choosing the chapter that best suits you needs. In most cases, debtors are best served by discharging all debts quickly and completely.

After all, after filing, costs, penalties and obligations are similar under both Chapter 7 and Chapter 13. There is little difference in the effect of filing either chapter on your future credit rating and your personal credit availability. So, you might as well claim the greatest benefits available and release yourself from the jurisdiction of the court as quickly as possible. Nevertheless, a few people are better served by filing Chapter 13 to extend and expand the protection provided by the court.

Top 10 Questions about Tactics and Strategies

Laws regulating personal Chapter 7 and 13 bankruptcy are extremely complex. In most cases, these laws arise from three different sources: 1) federal statutes, 2) appellate court decisions, and 3) the exercise of a trial court judge's discretion. These laws change often.

Also be aware that an extensive assortment of legal traditions play a significant role in the way judges, trustees and attorneys handle cases. Your personal planning must traverse all of these challenges and restrictions carefully. If you make a mistake, you may pay a heavy penalty.

When inquiring about safe and legal ways to plan a case, most people eventually wonder:

  1. Should I rely on the advice of an attorney for everything?
  2. How long does a case last?
  3. Can I file for free?
  4. What are the best tactics and strategies for me?
  5. Can filing stop foreclosure and let me keep my home?
  6. Are there any debts that cannot be be wiped out?
  7. Can I safely file a case without a lawyer?
  8. How much are attorney fees in a typical case?
  9. What is the worst thing that can happen? The best? What's typical?
  10. Can I keep all property and wipe out all debts legally?

President Harry Truman once said, “I wish I could meet a one-handed economist.” Talking to lawyers is much the same. The best chapter 7 strategy for an average person may be much different that the best tactic in your unique situation. Most people are somewhat disappointed – even aggravated – when talking to an attorney the first time. They hear what may seem like endless excuses: “On one hand,” “On the other hand,” “It depends. They seldom get iron-clad guarantees for anything. This is unfortunate but not necessary.

You must dig deep into your unique personal situation to sharpen your personal strategy to a razor's edge. You must first identify and then answer many highly personal questions. If you do this diligently, you will be amazed at the speed, style and grace with which you wipe out all debts you owe and walk away from the court house with all property you own. You can do this safely and legally with a quality personal guide.

Means Test
The Best Chapter 7 Means Test Strategy Will Make you Life Easier

The Best Kept Secret You Will Ever Discover About Lawyers

Discovering your best strategies has never been easier. Feel free to use a custom drafted chapter 7 bankruptcy means test form to make qualifying for discharge fool-proof. Rely on extensive (yet low cost) experience to point out the problems and benefits you may encounter. Review numerous examples, tips and secrets known only by insiders before you make a decision on any particular topic.

Best of all, you may do all of these things from the privacy of your home, without talking to a lawyer, without paying attorney fees, and without revealing your plans to anyone. Then, if or when when you are ready, then take the lead in screening the best lawyers for the job you require.

In this way, once you begin exploring your best bankruptcy options in private, you will be well prepared and well armed to discuss your options with any attorney you choose. You will also know quickly which attorneys are offering the best options and those attorneys you should avoid. In the end, your effort – all of it over the months before you file – will pay you handsome benefits for a lifetime.

Free Services Provide Freedom and Expand Your Options

Feel free to discuss you case with as many lawyers you may choose until you find the right fit. Better yet, most attorneys do not charge an attorney fee for initial consultations. They're free.

This way, talking to many lawyers for free provides you with a rich opportunity to discuss an almost unlimited number of ideas. You will be amazed at how many different opinions you hear when asking the same exact question. This does not mean that only one attorney is right and all others are wrong. It does mean that practicing law is not science and that there are many different opinions, ideas and preferences that affect a lawyer's advice.

If you know what you want, when you want it, and why you are entitled to get it, then you too will be well on your way to claiming the maximum benefits available under Chapter 7 or Chapter 13. You will save hundreds of dollars in attorney fees and keep untold thousands of dollars in benefits that most people never know exist.