Bankruptcy Attorneys

If you watch late-night infomercials and rely on other such sources, you might believe filing bankruptcy is a simple thing.  As with most things presented as simple on such programs, such as real estate investing, the only simple thing is the mind of anyone who buys the sales pitch.  It simply isn't that simple.

First, the Bankruptcy Code is complex.  It isn't just convoluted; at points it's internally contradictory because, well, Congress.  I think the BAPCPA, the big revision in 2005, was actually written by chimps pounding on typewriters with mislabeled keys.  Then there are the Bankruptcy Rules, which ostensibly implement the Code but frequently leave you going, ""Wait, what?"  Then there are the local rules, which change frequently and are notorious for the messes they leave behind.  And on top of it all, there is "local practice", the aggregated quirks of the judges, clerks, and trustees in each court.  Many of these were first crafted to deal with a particular problem and have since been conflated into a "one-size-fits-all" approach.  And in many of these situations, I'm left quoting Eleanor of Aquitaine in The Lion in Winter, "You're clever, but I wonder if you're right."

If you find yourself up against a financial wall, don't try digging through the wall yourself; it's likely to collapse on you.  Go to the professionals and get real advice.  It's worth it.