As a matter of fact, there is. But a simple bankruptcy is not the norm. The majority of cases be will be a messy tangle of legal technicalities and financial circumstances. Whether you are looking to file for Chapter 7 or Chapter 13 bankruptcy, there are several factors you can examine to find out whether you are in for a simple bankruptcy, or for a very complicated process.

What makes for an easy bankruptcy process? This can include:

• Your household's income is below the state median
• You can claim exemptions for all your property
• You don't have secured debt (mortgage, car loans, etc.); in other words, you face entirely with unsecured debts (credit cards, medical debt, etc.)
• Your tax returns have been filed
• And you don't face any of the below complications

What can make my bankruptcy complicated? Such factors include scenarios that are the opposite of those listed above. Other difficult circumstances include:

• Back taxes
• Delinquent student loans
• Support payments after a divorce / back child support or alimony
• Judgment liens
• Wage garnishment

You might also be in for a difficult bankruptcy if you own a business: a Chapter 7 bankruptcy may not let you stay open. If you recently moved to another state, the change in state laws can complicate matters. If you have had a bankruptcy dismissal in the past year, or if you have been denied a bankruptcy discharge before, this can make the road ahead filled with legal issues.

A simply bankruptcy can be complicated by an unfortunate mistake, and in any process, you need to make sure you are protecting your rights. Whatever case you face, a bankruptcy lawyer can help. If nothing else, a consultation could help you securely on your way. If your case will be filled with difficulties, then you certainly could benefit from the help of a legal professional. Find the bankruptcy attorney you need today!