Like many people, the recession hit me pretty hard. Thanks to a job loss, I got behind on some of my credit cards. Even though I did mange to make the mortgage payment every month, my credit rating nose-dived. While things did get better, I still wondered if it would be possible to refinance my mortgage with bad credit. After talking with a few lenders, I found out that my situation was not unique. I also found lenders who were willing to work with me. I managed to get terms that will save me money over the life of that mortgage. If your credit has taken a beating, don't assume that refinancing is out of the question. I'll share how I researched options and found a lender who offered a good deal. You could find that refinancing your mortgage is within your reach.
Filing for a chapter 7 bankruptcy can be expensive. It comes as no surprise that thousands of people around the country are stuck in the situation of needing to file for a bankruptcy, but lack the funds to hire an attorney. If you're wondering if you need a chapter 7 attorney to file for bankruptcy, you're about to discover if you can undertake this process by yourself or if you should hire a chapter 7 attorney.
A Brief Overview of the Chapter 7 Process
Understanding the entire process will help you decide if hiring a chapter 7 attorney is the right decision for you.
If you choose to file without a chapter 7 attorney, you'll have to undertake the above process entirely on your own. However, when you work with an attorney, they can help you understand the ins and outs of the process, fill out most of the paperwork for you, and overall make the process easier.Share
17 October 2017