There are usually two ways to file for bankruptcy, one is voluntary and the other is involuntary.
Voluntary- when filing for bankruptcy voluntarily, you are telling your creditors that you are not capable of paying off your debts and you are aware of it.
Involuntary- this occurs when your creditors affirm that you can no longer pay your debts with them and they are pronouncing you bankrupt.
however, the most common way is through the voluntary process.
Filing for bankrutcy requires a lot of stress and energy.
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Learning more about bankruptcy can also be very difficult and confusing. The laws are changing so fast these days that it is tough to stay up to date on all of it.
Internet-
When looking for quality information on bankruptcy, your first port of call should be the internet. There are various websites that offer quality information on bankruptcy. A Google search on bankruptcy, How to get information on bankruptcy, how to apply for bankruptcy, how to avoid personal bankruptcy, how to build your credit after a bankruptcy etc should yield accurate results. You need to make sure you do the proper research available to you on the internet.
Your local library-
After you have spent enough time on the internet, do make sure you visit your local library. You can never tell what you might find there. A stroll to the finance section of your library would help you in two ways. One you would be able to stretch your legs, get some fresh air and lay your hands on the information you seek.
Consult a credit counsellor-
By soliciting advice from a bankruptcy lawyer, credit advisor that someone you know has recommended you will find an ample amount of information on bankruptcy and the different types to file and who to contact about doing so. Although going professional might add a little more expenses on you but it could be worth the effort. that's why you need a recommendation from a trusted friend, relative or co-worker.
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