- 1). Get some credit counseling. According to the government website US Courts, consumers are generally required to obtain credit counseling from an approved counselor within 180 days before filing a bankruptcy case, and to furnish a statement of compliance and certificate of credit counseling furnished by the provider. Failure to do so could result in a dismissal of the case. The counselor will remind you that bankruptcy is a huge decision that could affect your credit for a decade. Alternatives to bankruptcy will also be presented to you. You can find approved credit counselors in your area online.
- 2). Ask your credit counselor about free legal resources to help you file. Understand that taking advantage of free legal help may result in a longer wait. For the fastest service, contact a private bankruptcy attorney in your area. Seek referrals from the counselor, friends or do your own research.
- 3). Make an appointment with your attorney and stress that you want to file quickly. Be prepared to pay legal fees that could cost several thousand dollars. A skilled bankruptcy attorney can prepare your bankruptcy filing within a day.
- 4). Pay the required fees and order the attorney to proceed. Your bankruptcy filing could be completed within a few days of first meeting with your attorney.
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