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.
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.
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.
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.