Bankruptcy laws, as woven into state laws, are a very complex set of rules.  Missing a deadline, by just one day, can result in losing specific protections.  Your future financial security is not something to gamble with.  Don’t assume you know the answers, most people don’t really know the correct questions to ask.  Don’t assume that a “professional” knows the correct answer or answers (some feed you an answer that you want to hear just to get you to sign the retainer).  Always get more than one opinion, get lots of referrals, do your own homework, and then use your gut.

– Diane L. Drain

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