Ask if there's anything you're able to do personally to help lower his service costs. It may be possible that you gather all of the information needed, and simply let your attorney fill out any paperwork, and file the essential documents, saving him manpower also, you money.

Filing bankruptcy are an overwhelming experience. Be sure to hire the right lawyer that will help alleviate your stress and make the approach easier and not add to your burden.
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Debtors should be aware that there are several alternatives to help chapter 7 relief. For example, debtors who are engaged in business, including corporations, partnerships, and sole proprietorships, may prefer to remain in business and avoid liquidation. Such debtors should look into filing a petition under chapter 11 of the Bankruptcy Code. Under chapter 11, the debtor may seek an adjustment of debts, either by reducing the debt or by extending the time period for repayment, or may seek a much more comprehensive reorganization. Sole proprietorships will also be eligible for relief under chapter 13 in the Bankruptcy Code.

Additionally, individual debtors who have usual income may seek an adjusting of debts under chapter 13 of the Bankruptcy Code. A particular advantage of chapter 13 is that it provides individual debtors with possibility to save their homes from foreclosure by allowing them to "catch up" past due payments through the payment plan. Moreover, the court may dismiss some sort of chapter 7 case filed by people whose debts are primarily consumer in lieu of business debts if the court finds that this granting of relief would end up an abuse of chapter 7. 11 Oughout. S. C. § 707(b).

If the debtor's "current monthly income"(1) is more than the state median, the Bankruptcy Code requires application of an "means test" to determine whether the chapter 7 filing is presumptively violent. Abuse is presumed if this debtor's aggregate current monthly income over 5 years, net with certain statutorily allowed expenses, is a lot more than (i) $10, 000, or (ii) 25% of the debtor's nonpriority unsecured debt, as long as that amount is at least $6, 000. (2) The borrower may rebut a presumption of abuse only by the showing of special circumstances that will justify additional expenses or modifications of current monthly income. Unless the debtor overcomes the assumption of abuse, the case will generally be converted to chapter 13 (with the debtor's consent) or are going to be dismissed. Arkansas Chapter 13 Bankruptcy Laws, Arkansas Chapter 7 Bankruptcy Laws, Arkansas Chapter 13 Bankruptcy Laws