Understanding Lawyers - Don't Think the WorstUnderstanding Lawyers - Don't Think the Worst

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Understanding Lawyers - Don't Think the Worst

I got into a car accident when my daughter was 2 years old. My daughter was not injured in the crash, but I was. The accident was caused by a distracted driver talking on her cell phone. The driver insisted that I was attending to my daughter and I took my eyes off the road. I unfortunately had many medical bills to pay and I had very little time to fight with insurance companies over settlement payments. I was concerned about the cost of an attorney, but I met with a lawyer anyway to help with the accident claim. The lawyer relieved my stress and dealt with the insurance company and the other driver. I want you to know that lawyers can be helpful, kind, and caring. Most people think the worst of these professionals, but I want you to know that lawyers should not be feared or avoided.

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Ensuring All Debts Are Discharged: Importance Of Credit Reports In Chapter 7 Bankruptcy

With the economy still recovering, many Americans are tempted to file for bankruptcy in order to relieve themselves from growing debt. In 2010, 1,100,116 Americans filed for chapter 7 bankruptcy and surrendered all of their assets in favor of being able to start fresh financially. Getting credit reports from several credit bureaus is a crucial step when filing for bankruptcy. You can easily get your credit reports without the help of a bankruptcy trustee or an attorney.

Keeping Track of All of Your Debt

To be discharged from debts, you must provide a report to the court that includes information like the type of debts that you owe, the creditors that you owe, the date of which you obtained the debt and the amount that you owe for each debt. Debts that are not filed in the report will not be discharged, and you cannot file for chapter 7 bankruptcy again for eight years once your bankruptcy application has been processed and approved.

To prevent being left with debts that you are still liable for, but cannot pay, you want to be extremely diligent in making sure that all of your debts are included in the report that is submitted. Once you have compiled the report, you should consider asking your bankruptcy attorney or trustee to confirm that no debts have been forgotten.

The Reason Behind The Importance of Obtaining Credit Reports from Several Bureaus

Due to the important nature of including all of the debts within the report, you want to make sure that you obtain reports from several bureaus, as creditors are not likely to report debts to all credit bureaus. A credit report from a single credit bureau can easily be missing debts that have been reported to other credit bureaus. Those who neglect to obtain credit reports from several credit bureaus may end up missing crucial debts in their report. Most credit bureaus will provide you with your credit report for free.


You can also verify whether there are any debts missing by looking through your receipts, credit card bills and more. Your bankruptcy trustee or attorney will do their best in finding as many debts as they can to include in their report; however, you should also verify all claims in order to reduce the chances of errors happening, especially since you cannot include additional debts once you have completed the entire bankruptcy process, and you will still be stuck with the debts.