Filing Bankruptcy? How to Select a Bankruptcy Attorney
In order to protect yourself and any assets you may wish to save from your creditors, you should start thinking about filing bankruptcy as soon as you find yourself in financial trouble and other options don’t appear to offer a workable solution. The choice of the appropriate bankruptcy attorney is just as crucial as this one. It’s crucial that you conduct more thorough research than just looking into a single bankruptcy attorney because the majority of them work for a legal firm.
Find a seasoned bankruptcy lawyer
Make sure the lawyer you choose to file with has years of expertise practicing bankruptcy law; some law firms handle a number of specializations rather than just bankruptcy law. If you file with a lawyer that only infrequently handles bankruptcy matters, this might have a bad impact on your case. Finding an experienced lawyer to file your case with who is familiar with the bankruptcy statute in your state will have a significant impact on the result. Additionally, confirm if the legal office or lawyer can assure you that your case will be submitted appropriately.
Look for a lawyer that offers payment options and affordable flat prices.
The lawyer or legal company should be aware that you are in a dire financial situation and may not be able to pay their entire charge, which can range from $700 to $1700 depending on your location (state and city). Finding a lawyer that will work with your budget and understand your circumstances will indicate that they are sensitive to your financial condition.
Find a lawyer who will evaluate your bankruptcy case and provide free consultations.
A bankruptcy consultation should really be free because declaring bankruptcy is one of the hardest choices you’ll ever have to make. With so much pressure and potential creditor harassment, you don’t want to worry about spending money unnecessarily. Your lawyer should prioritize your requirements by offering a free assessment of your existing financial situation. Look for another lawyer if the one you call insists on charging for the consultation. There is no need to pay for a consultation since there are too many law companies and individual bankruptcy attorneys that are willing to do so.
From the start, evaluate the attorney-client relationship.
You need to feel at ease with your lawyer. A competent bankruptcy lawyer will be able to help you get through this trying period by not only giving you the necessary bankruptcy services, but also by showing compassion and understanding for your situation. They ought to be able to ease your stress, and you ought to leave their office feeling confident in your choice to file for bankruptcy. Additionally, your lawyer should be open to responding to any of your inquiries, no matter how precise they may be.
Don’t be concerned about closeness or location
No matter if you apply for chapter 13 bankruptcy or chapter 7 bankruptcy, you shouldn’t settle for any lawyer simply because their office is 10 minutes from your house. Everything you need to do to submit your case may be done online (email, fax, etc.) in this era of information and electronic communication, beginning with your free evaluation. The number of cases filed online with bankruptcy law firms around the country is increasing; nevertheless, remember that you want the best knowledgeable and affordable service, so don’t disregard filing for bankruptcy online.
Aid with credit reports following the bankruptcy discharge
When you check your credit report three months following your discharge and discover that you still have accounts listed as overdue, late, or in collections, you’ll probably find that declaring personal bankruptcy starts to have an impact. These errors might affect you as you start to restore your credit and your bankruptcy attorney should be able to provide a solution for them.