Bankruptcy Attorney – Tips For Choosing the Best One

Your bankruptcy attorney plays the most important role in handling your bankruptcy case. The bankruptcy laws are so complex that it is not possible for you to understand all the ins and outs associated with the same. What is more, the inclusion of the new bankruptcy laws has made it much more complex and complicated. The bankruptcy attorney is a specialized person, who knows how to use the various sections of the bankruptcy laws, to defend the bankruptcy claim for you. Therefore, if you are thinking about handling your bankruptcy case yourself, you must think twice. However, you should also note that not every bankruptcy attorney is the right one for your specific bankruptcy case. You are supposed to be very careful while choosing the one. Several factors seek your careful consideration in this regard. The more efficient your bankruptcy attorney is, the more are the chances that you will be able to defend your bankruptcy claims successfully.

License To Handle Bankruptcy Cases In A Specific State

Perhaps, the first thing that you need to look into, before hiring a bankruptcy attorney is to check, whether he or she is licensed to handle bankruptcy cases in your state. Since the bankruptcy laws differentiate widely from one state to another, it is important for you to make sure that the bankruptcy attorney you have chosen is thoroughly aware of the specific bankruptcy laws that are applicable in your state.

Are You Comfortable With The Bankruptcy Attorney?

The next big thing that you need to do is to make sure that you have good comfort level with the bankruptcy attorney you have chosen. It is very important because filing bankruptcy is a very crucial thing, and you want things to be done thoroughly. An experienced bankruptcy lawyer will take all your worries and make things much easier for you. The best way to determine if the bankruptcy attorney is the right one for you is to interview them. Ask as many questions as you want to. Ask about their qualifications and experience. Ask if they have handled your type of bankruptcy cases earlier as well. If yes, what is the success rate?

Bankruptcy Attorney Fee

Of course, budget is one of the most important elements in this regard and you cannot ignore this. Therefore, make sure that the first of the few things that you inquire about is regarding the fee they will charge. Make sure that you are capable enough to pay the fee. Usually, the bankruptcy attorney charges a substantial fee.

Consult A Bankruptcy Attorney When Considering Chapter 7 Or Chapter 13

Nowadays, all you have to do is turn on the news and hear the bad economic news, with unemployment continuing to rise. Even though the government threw $1 trillion at the economy there has been no positive response. It’s no surprise that over 1.5 million people filed for bankruptcy in 2010 and those expected to file in 2011 will continue to rise. With all the alternatives to debt elimination being advertised, still the most popular to get rid of crushing debt, is to file Chapter 7 bankruptcy. Constant phone calls from creditors all hours of the day and night along with threatening letters, it’s easy to see why people choose bankruptcy to stop this madness.

For the individual that has had an unexpected financial catastrophe, like a job loss, illness or divorce, filing bankruptcy can help relieve some of the stress that the creditors are putting on them. Being in this situation is not fun and perhaps the day has come that you need to pick up the phone and call a bankruptcy attorney for a free consultation and see if you qualify for Chapter 7 or Chapter 13 bankruptcy.

It’s important to get all of your bankruptcy questions answered before filing, and that’s why individuals should get legal counsel. When consulting with a bankruptcy attorney, always be upfront when explaining your situation to make sure that the attorney understands the whole financial picture. When deciding on a bankruptcy attorney to hire, remember to find someone who has good references and extensive experience in bankruptcy law. With the downturn of the economy, there have been many lawyers who see the opportunity to make some money.

Usually, these attorneys have very little experience in bankruptcy law and your results may suffer. If you think this is an attorney that you might want to hire, go over the fee schedules and ask questions if there will be additional fees for preparing extra documents or amendments. It’s best to find out the total cost that you might incur by hiring this particular bankruptcy attorney. If you’re going to have to pay someone a couple of thousand dollars, don’t be afraid to take the time to make your decision, and even interview multiple attorneys if necessary.

After making the decision selecting your bankruptcy attorney, you will be responsible to gather a gaggle of information and take it to the attorney’s office. Many people that are filing for bankruptcy feel unnecessarily intimidated when they are required to go into the attorney’s office. People need to remember that they are the client and that the attorney works for them. Being afraid to ask all the questions you have might come back and haunt you after the bankruptcy is discharged. Leaving something out because you feel it’s unimportant or you don’t want to waste the attorney’s time, might be something that can change the direction of your case.

That’s why it’s important to select a personable bankruptcy attorney that is easily accessible and willing to answer all of your questions. One should also be comfortable with the attorney’s staff, as much of the time the individual will be dealing with attorney’s paralegal. Filing for bankruptcy can be a stressful time in your life, but finding the right legal help can make the process fairly quick and pain-free.

Patience Is a Virtue When Dealing With Your Bankruptcy Attorney

When a person is filing bankruptcy, their whole world seems like it’s going upside down. The only focus they have is on getting that bankruptcy discharge and getting the creditors off their back. During these stressful times many people continuously call their bankruptcy attorney with problems or to ask stupid questions. While they don’t believe the questions are stupid, in the big scheme of things they are wasting the time of the attorney. Overbearing clients can cause a rift between the bankruptcy attorney, the law office staff and the client.

The attorney knows the timeline that needs to be to get a successful bankruptcy discharge and usually is on top of things. It is best to let the attorney do their job and not bother them unless you are being harassed by creditors. If the bankruptcy has already filed and creditors are continuing to call, the individuals should call the bankruptcy attorney and make them aware of the automatic stay violations. Most of the time, a staff member from the law office will call the creditor and make them aware of the bankruptcy filing. This usually will stop them from calling.

Because of the relationship and the time frame it takes to file bankruptcy, it’s important that people need to take the time to look for a bankruptcy attorney that they get along well with. The entire process of filing Chapter 7 bankruptcy takes about 4 to 6 months of someone’s life. Because someone’s life is turned upside down, they are very hypersensitive during this time frame. If the person filing for bankruptcy finds an attorney they trust, they will be able to chill out and let the attorney do their job. If there is no trust or relationship there, the individual will try and micromanage the law office making everybody mad. This is not the way to have a successful bankruptcy filing. When someone becomes a problem, typically, the bankruptcy attorney will stop calling the individual back and the fight will be on. The old statement, patience is a virtue should be taken to heart because this process doesn’t happen overnight.

My personal belief is hiring a bankruptcy attorney should be looked at the same as putting a sports team together. If all the members don’t work together successfully, the outcome will be shown in the results. There will be important items that might slip through the cracks because the dynamic of the relationship has gone south. In today’s complicated legal system it is much better to rely on the expertise of a bankruptcy attorney then trying to go it alone. Try to keep in mind at all times the reason of why the attorney was hired in the first place.