Once the creditors will know the condition of the client they will try to call the client and will harass him. The attorney should stand by the side of eh client and find him away out from the creditors. The creditors will use all the possible ways to scare the client .But the client should be brave enough to face the situation. Some of them would not have faced such conditions before and they will fall ill and loose their physical health. The attorney will stop all the possible creditors coming near the house immediately after the case if filed. The phone calls fro them also will be stopped. The client has to give his creditors the phone number of the lawyer and this will stop all of them as the lawyer will further look after the problem.
If there are no assets in the clients name then the loans will be waived and there is not much problem at all. But if the client has any assets then you have to face a little bit of problem as these properties will be used to settle the debts. The debts will have to be paid slowly using the assets and any vehicles which is in the name of the client. The client has to give up many of his assets to settle the loan. It takes time to reshape the finance of the client.
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