People often fear many things when it comes to bankruptcy.

In both personal bankruptcy filings, Chapter 7 and Chapter 13, you rarely if ever lose your home. First of all, consider that if your home is too valuable and is considered nonexempt, your trustee in rare cases it can be sold to pay back debtors in Chapter 7. This rarely happens. If you file Chapter 13, you will receive an automatic stay to keep your home indefinitely, with a plan to pay it, and freedom from this fear.

Some fear they will lose their car. In most cases, you lose nothing with Chapter 7 bankruptcy.

Some are afraid they won't be eligible for Bankruptcy. This might be true of Chapter 7 but this usually only happens if you make too much money. Most people are eligible to file under Chapter 13.

Some are afraid they won't be able to afford bankruptcy. If you file under Chapter 13, you are paying back all your debts. But the plans will be designed so you can better afford them, your house won't go into foreclosure, you won't face wage garnishments, and you won't have to fear losing other assets such as your car or retirement fund. With Chapter 7, you are discharge all debts; the only fee is the $299 to pay to court and lawyer fees.

Some fear the lawyer costs will be too much. Greenville SC Bankruptcy attorney fees for bankruptcy cases are rarely very high. Why would you hire a lawyer for $10,000 when you can barely afford to keep your home? In fact, many Greenville SC Bankruptcy attorneys charge on average $1,000-$2,000. And most are willing to work with you on payment plans.

Some are afraid the creditors will keep harassing them. No matter what form of bankruptcy you file, it will effectively stop. Either they have no more reason to contact you, or if they do, you direct them to your lawyer who handles it. There will be no more calls.