Divorce is never easy to recover from. It can leave you facing emotional and financial difficulties. If your divorce has left you in financial ruins, it might be time to file for bankruptcy. This is particularly true if you're facing foreclosure on your home, repossession of your vehicles, or disconnection of your utilities. Bankruptcy can help you get out from under your debt so that you can get the fresh start you need. Here's some step-by-step information that will help you through the bankruptcy process. 

Meet with a Credit Counselor

If you're considering bankruptcy, you'll need to meet with a federally approved credit counselor. When you sit down with the credit counselor, they'll want to see all of your assets and debts. They'll be looking to see if there are other options, besides bankruptcy, that are available to you. If they determine that bankruptcy is your only option, you'll be given a certificate of compliance. Once you have that certificate, you'll be cleared to file for bankruptcy.

Seek Legal Representation

If you've decided to file for bankruptcy protection, you should seek legal representation. Bankruptcy is a complicated legal process that is part of the federal court system. Failure to follow the procedures precisely can result in your case being dismissed. If you've got creditors harassing you, there's no time for mistakes. To make sure that your bankruptcy case proceeds without unnecessary delays and complications, hire a consumer bankruptcy attorney like Stuart R Whitehair Attorney to handle the paperwork for you.

When you meet with your attorney, be sure to bring a list of all of your creditors. Your attorney will use that information to file the paperwork for you. When filing for bankruptcy, it's important that you include all of your creditors. Failure to list a creditor on your bankruptcy paperwork may leave you obligated to repay that debt.

Notify Your Creditors

Once you've met with your attorney and the paperwork has been filed, you'll need to contact all of your creditors. Let them know that you're filing for bankruptcy protection. Once they've received notification regarding your bankruptcy status, they'll no longer be able to contact you, which means the harassing phone calls will stop. If your creditors continue to harass you after you've informed them of your intent to file bankruptcy, you need to contact your attorney as soon as possible.

If divorce has left you with financial problems, bankruptcy might be your best option. If you have questions or concerns regarding bankruptcy, be sure to sit down with a consumer bankruptcy attorney.