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Frequently Asked Questions
Answer
If you're considerting bankruptcy -- you're not alone. Last year, over a million U.S. residents filed for bankruptcy protection.
Most cases of bankruptcy aren't caused by reckless spending but by financial hardship. Most are individuals who simply can't afford to deal with unexpected major expenses due to a job loss or medical bills.
At FinallyZero.com, we're working to help you out of your financial hardship.
By using technology to match you with top-ranked, local attorney professionals, we help you navigate the bankruptcy filing process with confidence.
We've connected thousands with legal counsel, enabling them to escape crippling debt.
Find out if you qualify for bankruptcy protection by completing our short quiz above.
If you're a pre-qualified candidate, we'll connect you with a local bankruptcy expert that will walk you through the process of settling your debts properly, while protecting the assets you have.
Answer
Nope. Never.
Though it's always important for you to know your own credit score (from each of the 3 credit reporting bureaus), as well as all the creditors whom you owe money, we don't need your credit history and information to see if you qualify for bankruptcy.
Answer
No.
You're under no obligation to work with us or any of our partners if you don't want to.
If you qualify for bankruptcy protection, we'll match you with a top-rated, bankruptcy attorney that will schedule a FREE initial consultation and help you uncover your best path to financial freedom.
The pre-qualification quiz above takes only 30 seconds, and is a great way to find out if you're a candidate, as well as estimate the quickest path to resolving your debt.
Answer
No. You're not required by law to have legal representation when filing for bankruptcy. You are allowed to represent yourself in Chapter 7 or Chapter 13 bankruptcy as a pro se debtor.
However, whether you should hire an attorney to represent you in bankruptcy depends on several factors including:
- whether you are filing for Chapter 7 or Chapter 13 bankruptcy
- the amount of income and property you have
- how complicated your bankruptcy is
- whether or not you are comfortable with handling your own case.
It's usually best to take advantage of an experienced bankruptcy attorney's intial FREE consultation. From there, you can decide to if you need the help of a lawyer.
Answer
The pre-qualification quiz above and initial attorney consultation are completely FREE.
You're under no obligation to work with us or any of our law firm partners.
Answer
The primary differences between a chapter 7 and a chapter 13 bankruptcy filing are as follows:
- Chapter 7 tends to have lower fees. However, you can file for Chapter 13 more quickly since the fees can be paid over time. You cannot file for Chapter 7 until you have paid all of the fees.
- In Chapter 7, you can keep only your exempt property, and the trustee may sell much of the rest to pay your creditors. In chapter 13, you may generally keep all of your assets.
- You can qualify for Chapter 13 filings only if you have regular income and debts below a certain level. If you do not have a regular income, and have significant debts, Chapter 7 may be a better choice for you.
Regardless, it's best to speak directly with an experieced bankruptcy attorney to find out which type of filing is best for you.
What People Are Saying:
They navigated us through this very scary time with professionalism and grace. They made us feel like everything was going to be okay, and guess what? It was! It's very intimidating to show up on the day where you have mere minutes to explain your case. Most people were there all by themselves but we had a representative to help guide us which was awesome. We filed 2 years ago and recently received a collection letter from one of our creditors who had been listed in the bankruptcy filing. We emailed our lawyer team who got back to us within the hour with instructions on what to do. Super, affordable service was worth every penny!
Paula S.
Miami Beach, FL
They were extremely gracious with their time and gave me the lay of the land in what to expect as someone whose business partner is going into Chapter 7 and leaving me with a lot of "new to me" debt. I was able to learn from my attorney in 15 minutes what had taken me 4 days of reading and asking questions through my business partner to his BK lawyer. I'd work with them again if there was a need.
Antonio H.
Austin, TX
I will never forget the day I went in for my initial consultation with my BK attorney. I was terrified at the thought of filing for Bankruptcy and they put me at ease. He explained the process and told me we could get started that day. I asked him if there was hope for us and he said "I don't promise hope, I promise results." He delivered on his promise. We were able to establish a plan that is totally feasible. The stress and sleepless nights are gone. They are extremely professional and well known and respected in the Bankruptcy courts.
Michael G.
Los Angeles, CA
After I spent years juggling heavy debt while raising two children as a single mom, the two years after the crash of '08 finally brought me down. Humiliated and exhausted by my financial state, I sought legal advice . My only regret is that I did not do this sooner. I had struggled to keep up with heavy, and ever-increasing, interest rates that were far beyond my ability to ever pay back and simply dug myself further and further into a very deep hole. My lawyer team was understanding, well-informed, and the firm was completely professional and responsive. I cannot thank them enough. If you are in the predicament I was in, please seek his help sooner rather than later.
Mary S.
Chicago, IL
He gave me a free consult during which he told me that I should check in with him, as things progressed. I came back a year later, as things had got worse, and he then suggested I file Chapter 7. He accepted payment over time, in debit card and checks, as I was not able to pay the whole fee up-front. His office staff was helpful, clear, accurate, and he was typically available every time I called his office, even after paying the fee, for when I had questions. He was responsive to emails and faxes, as well. The appearance was painless, the paperwork was straight-forward, and I've referred several people to him since. My BK was discharged in early '11. I strongly recommend them!
Martin S.
Jacksonville, FL
I highly recommend getting in touch with them. My husband and I felt some embarrassment about filing bankruptcy but they made us feel comfortable with our decision. He took time with us on our first appointment to answer all the questions we had and tell us about the process. He, along with his excellent staff, helped us all along the way. All the paperwork was handled expertly and whenever we had a question, we either called the office or sent an email, and we always got an answer in a timely way. 5 stars! Would definitely recommend!
John W.
New York, NY
