Filing bankruptcy can seem like a great way to get relief from your overwhelming debts and your harassing creditors. If you are having trouble paying your bills, however, you might have found yourself in a rather unique situation: you might think that you're too broke to file bankruptcy. Most bankruptcy lawyers will require some form of payment when they decide to take on your case, and if you don't have the money, you could be wondering what to do. Luckily, following these tips can help you file bankruptcy, even if you feel as if you are too broke to hire a lawyer.
Go to a Free Consultation
Don't let the excuse of not having any money stop you from talking to a lawyer. Most bankruptcy lawyers will be willing to meet with you and talk to you about your case for free. This will give you a chance to learn more about how bankruptcy works, to determine if it's the right choice for you, to get some legal advice in the meantime and to learn how much it will actually cost to hire a lawyer. You will get a lot of valuable information without having to pay a dime for it, and you might find that the lawyer that you meet with is cheaper to hire than you originally thought.
Talk to Legal Aid in Your Area
If there is a legal aid office in your local area, you can call to find out about your options. Many lawyers offer no-cost or low-cost services for people who are filing bankruptcy in their area, so this can be a good way to get free or cheap legal representation.
Skip Paying a Bill
Talk to an attorney about skipping paying one of your credit card bills or other bills to pay your lawyer instead. If it's a debt that will be handled in your bankruptcy case anyway, your lawyer will be able to tell you if it's a good idea. If your lawyer gets the ball rolling on your case quickly enough, this decision should not affect your bankruptcy proceedings at all.
Filing bankruptcy can be a smart decision for many people who are overwhelmed by their debts and who don't have enough money to pay. If you think you're too broke to file bankruptcy but are looking for some relief, follow these tips. That way, you can begin to move forward even if you don't have very much money on hand.
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