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Could you sabotage your own bankruptcy filing?

If you have decided to file for Chapter 13 bankruptcy, you may have heaved a sigh of relief. You won’t have to surrender your property and have bought yourself the time to disentangle yourself from the chains of debt.

But before you drop your guard entirely, it’s important that you don’t become your own worst enemy and self-sabotage your attempt to get out of debt.

How could I do that?

Making costly mistakes at this crucial time could derail your bankruptcy. Some common mistakes include:

  • Signing off on documents you haven’t read: It seems simplistic to tell bankruptcy clients never to sign anything without first reading and understanding it, but doing so could cause the officials to conclude you are lying. That’s never good.
  • Not attending the creditor’s meeting: You do not necessarily have to show up in person, e.g., your attorney can attend in your stead if this has been previously arranged. You may also appear via Skype or make other arrangements. But blowing it off is never acceptable.
  • Providing false information: Whether it’s an omission or a misstatement, if it’s untrue, it spells only trouble for the debtor.

Filing for Chapter 13 bankruptcy can be liberating for debtors. But they must cooperate fully during the process, and that includes full disclosure. Anything less than full cooperation is self-defeating and could potentially cause the debtor a lot of unnecessary legal difficulties.

If you have questions about the legality of any situation that can affect your Chapter 13 bankruptcy, you should immediately address your concerns to your Tampa bankruptcy attorney. Your attorney can clarify anything that remains unclear and ensure that you remain on track to resolve your debt problems.