My Chapter 7 Bankruptcy

November 16, 2022

Filing bankruptcy can be intimidating.  I have had clients tell me that they were afraid to take the appropriate steps to get their bankruptcy case started.  Recently, a client asked if she could write a blog about her bankruptcy experience.   The blog below is a guest blog from a real client who filed Chapter 7 Bankruptcy in Indiana.  This is her experience.

My Chapter 7 Bankruptcy Experience with Bymaster Bankruptcy Law Offices

It is a difficult decision to file for bankruptcy.  I had some debt that was piling up over time.  I had credit card debt, some medical bills, and a debt from a past mortgage.  After a couple of years, I realized that it wasn’t going to go away.  It stressed me out.  At night I would wake up and think about how to pay it off.  The thing was, I had good intentions, but the money just was not coming in.

I was recently divorced and I carried some of the debt from my marriage.  I started researching financial options online and that is where I learned about bankruptcy.  Living in the Indianapolis area, I searched for Indianapolis Bankruptcy Attorneys.  Google gave me some results.  I decided on Bymaster Bankruptcy Law Offices because they seemed to be the most affordable.  I called to schedule a free consultation, and they fit me in the next day.

I was really nervous about the consultation.  When I arrived for the appointment, I was surprised by the fact that everything seemed pretty laid back.  I imagined a stuffy law office, but that wasn’t the case.  The office was like a relaxing home, one like where your Grandma would live.  It reminded me of going to a friend’s or a relative’s house.  Like many appointments with professionals, I was asked to complete some forms.  They seemed pretty easy.  I did have a few questions, but the paralegal helped me out.

My Bankruptcy Experience
Attorney John Bymaster was relaxed and easy to talk to during my consultation.

After I completed the forms, I met with John.  He is the main attorney.  I had an idea built up in my head of what he would be like, but he was actually a lot different.  I thought that he would be stern and rough around the edges.  John turned out to be quite different than I thought.  I found that he was easy to talk to about everything.  He was patient with me as I told him the story about how I had recently gone through a divorce.  I told him that I couldn’t sleep at night because of the stress.  He guided me along the way, and we came up with a plan.  The plan was simple.  It was Chapter 7 bankruptcy.

After meeting with John, he introduced me to his paralegal.  She was so kind.  Over the next couple of weeks, I met with her a few more times to give her some financial papers, and then I signed my bankruptcy.

I was really nervous about my bankruptcy court hearing.  I had never been to court before.  I also felt like a failure inside because I couldn’t pay off all my bills.  During the bankruptcy hearing, John was there for me.  I was confused about one of the questions.  John helped me to answer them.  He was by my side all along the way.  The court hearing was a lot easier to get through than I thought.  I think the hearing part of it lasted about 15 minutes.  I was relieved when it was over.

Bankruptcy was a big deal for me.  Looking back, it was the right decision.  It allowed me to start a new life after my divorce.  It was also a way to let the creditors know that I couldn’t pay those debts.  I found out that officially admitting I couldn’t pay my debts at court – that was actually a noble thing to do.  It was the right thing to do.  I can finally sleep through the night knowing that the load of debt is off my shoulders.

~Cassie L.

A special thank you to Cassie for writing about her bankruptcy experience.  If you are interested in finding out more about filing for Chapter 7 Bankruptcy, contact us to schedule a free consultation.

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