When someone is so debt laden, they cannot possibly see where they could squeeze out another penny to put towards a bankruptcy. This is really a burden and causes a great deal of distress. They simply feel they are just too broke to go bankrupt. There are legal fees, and document filing fees, and credit counseling fees that have to be addressed.
Not All Costs Are Financial
Some will look at perhaps trying to cut corners with the bankruptcy costs by filing for their own bankruptcy. Or they may utilize the services of document preparers, to half help with the process. These are all dangerous steps to take because the bankruptcy laws are complex, and there is no room for error. One of the repercussions of errors is significant delays, which is just compounding the stress of not being able to get the debt collectors off your back. The other danger is that it could affect your bankruptcy results.
The safest approach to obtaining a bankruptcy is to seek out a consultation with an experienced bankruptcy attorney in Dallas, right from the start even before filing. This way you can find out what you are eligible for and a close estimate of the costs you will be facing. If necessary approach a family member for a loan to assist you with these fees. Chances are when you get out from under this huge debt load you are facing you will have no difficulties paying the loan back. If worst comes to worst you could include it in your bankruptcy action, then perhaps sometime in the future pay the loan back.