When To File Bankruptcy – Is There A “Best Time”?

The best time to file bankruptcy differs for everyone.  However, if you are considering bankruptcy, the best time to talk to our team is today.  We offer free consultations regarding debt relief so today is the best day to explore your options.  

It is never too early to explore your options or prepare your case.  There are certain times that you should call our office because timing does make a difference when filing bankruptcy.  For example, we represent many clients every year who are in need of bankruptcy because of a divorce.  

It is important to talk to our team before you file your divorce, if you are thinking about bankruptcy.  This is because the filing of the divorce may make one spouse ineligible for a certain chapter of bankruptcy or it may change the assets you can keep before or after the divorce.  That is why we always urge anyone who is considering filing to talk with us first before taking any legal action such as filing for divorce or transferring an asset.  We may be able to save you from not being able to file because of the actions you took just days or weeks prior. 

It is also important to talk with us if you are being sued by a creditor or debt collector.  It is important for you to talk to us soon after being notified you are being sued because you have a limited amount of time to respond to the lawsuit. It may be advantageous for you to file an emergency bankruptcy to stop the suit or to avoid a final judgment.  

Lastly, bankruptcy can stop a garnishment, tax sale, bank levy or foreclosure.  So it is imperative to file the bankruptcy prior to the expiration of deadlines to stop those actions from taking place.  We help people every year stop these debt collection activities at the last minute, but we are also able to assist clients in avoiding these actions altogether.  So the best time to talk about your debt relief options is today.  


If you have any questions about the topic discussed in this article, or any bankruptcy law matter, please give us a call at Bononi & Company 724-832-2499.


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