On April 30, 2010, the U.S. Bankruptcy Court (Central California Division) updated the following bankruptcy code on its website:
"LBR form F 2090-1.2.APPLICATION was modified to require the applicant to attach a copy of the receipt for payment of fees, as required under LBR 2090-1(b)(5), to the application."
To the average person, this sentence sounds like gibberish, right? But to a qualified bankruptcy lawyer in Modesto, this phrase is everyday language. A lawyer knows that even the smallest changes to bankruptcy code in California are critically important. The Bankruptcy Act of 2005 overhauled the federal bankruptcy code, but subsequent, smaller, more recent changes at the state level are just as crucial. A lawyer must stay current on all the bankruptcy laws at both a state and federal level in order to provide superior service and results that clients desire.
One of the primary advantages to hiring a bankruptcy lawyer for Chapter 7, Chapter 11 and Chapter 13 bankruptcy cases is that you can rest assured that your case is being filed accurately and efficiently. Doing it on your own could result in disqualification of your application, denial or worse.
Another advantage of hiring a professional bankruptcy lawyer is that you can get all your questions answered regarding your mortgage, your credit score, your outstanding debts and more. If you try to file for bankruptcy on your own, you will most likely have dozens of questions for which you may not be able to secure verifiable answers.
What's more, it can be tough enough for a lawyer to keep up with assets, creditor claims, court-appointed trustees, deadlines and funds allocations associated with filing for bankruptcy - do you really feel qualified to handle all this and more on your own? It's much better to simply hire a lawyer to save yourself time and money when filing for bankruptcy.
