Best Bankruptcy Lawyers in Brookfield, WI

There are numerous mistakes that I see people make before bankruptcy. Bankruptcy is complicated and is filled with numerous traps and pitfalls. If you are beginning to encounter financial difficulties, it is never too early to consult with a bankruptcy attorney. By meeting with an experienced Milwaukee bankruptcy attorney early enough, you can ensure you won't make some of the many mistakes that can complicate your bankruptcy case. Some of the many mistakes I often see include:Large amounts of credit card use before filing bankruptcy - including charges, cash advances and balance transfersPaying off loans to friends or relatives prior to filing bankruptcyTransferring or selling an asset because you are worried about losing it when you file bankruptcyConcealing assets or not disclosing assets to your attorney

Bankruptcy can be filed by a corporation or an individual. Married couples don't have to file together. In some cases it is advisable for one spouse to file and not the other. If you and your spouse are not getting along or if you are not sure whether you want to file with your spouse, it is recommended that you call an attorney to schedule your first meeting without your spouse being present. During the meeting, I can help you decide whether you should include your spouse in your bankruptcy filing or not.

You won't have to appear in front of a judge, especially if the attorney does his or her job. You will, however, be required to attend a 341 meeting and meet with a bankruptcy trustee. These meetings are usually held at a courthouse near you. If you hire Sapinski Law Office, S.C., my team will fully prepare you for this meeting and will make sure all the required documents are submitted. With this ground work, you will find the meeting to be quite painless. Most of the time, the 341 meeting is a short and simple procedure. You will be asked, under oath, about your bankruptcy forms and financial situation. In most cases, creditors do not bother to even show up for the meeting! On occasion, complications can arise or a creditor may choose to dispute a debt. In these situations you may need to appear before a judge at a hearing. If you need to go to court, you will receive a notice from the court and from your attorney.

Here are some more things that you should know about filing for bankruptcy:Utility services - Public utilities, such as WE Energies, cannot refuse to cut off services because you have filed bankruptcy; however, they may require you to provide a deposit for future service. Discrimination - An employer or government agency cannot discriminate against you because you have filed bankruptcy. Driver's license - If you lost your license solely because you could not pay court-ordered damages you caused in an accident, bankruptcy may allow you to get your license back. Co-signers - If someone has co-signed a loan with you and you file bankruptcy, the co-debtor may be required to pay the debt (however, Chapter 13 may help to resolve that problem).

You may be able to reach a good credit score in as little as a few months. You may not be able to apply for a credit card right away, but you may be able to use secured credit cards, secured loans, and retail cards to build back your credit. Those who follow my free credit restoration program find they have their best credit ever within a few months after completing their bankruptcy.