Many people decide they need legal representation during a bankruptcy, especially if they have never experienced one before. But finding the right bankruptcy lawyer can be tricky. Who can you trust? Read on for tips on finding representation that is experienced, competent, trustworthy, and affordable. If you can find a lawyer with all of these qualities, your chances of coming out of your financial troubles in the best shape possible are much higher. While there are many different kinds of lawyers available, remember that finding a lawyer whose practice is focused on bankruptcy is key.
Are They Doing What’s Best For You?
A good bankruptcy attorney will do what is best for you, not what is easiest for them. A common example of a lawyer putting their ease before your needs is when they try to push you into declaring a chapter 13 bankruptcy rather than a chapter 7 bankruptcy. Some attorneys may do this because they don’t want to spend the time it takes to qualify for a chapter 7, while others might do it so they can include their fees with the chapter 13 fees so they can sell their services as “no money down” filing. Whatever their motives, question your lawyer carefully about all the options available, and don’t let them push you into doing something you don’t want just because it makes their job easier. Chapter 7 bankruptcies are initially more expensive, it allows you to discharge your debts in 90 days.
Just because a prospective lawyer says they are a bankruptcy lawyer does not mean they are. Confirm that he or she is certified by the American Bankruptcy Institute, as members have to meet certain standards. Does your bankruptcy attorney have this added training? This is one sign that they are as experienced as they say they are.
Don’t Sacrifice Quality For Cost When Hiring A Bankruptcy Lawyer
It may be tempting to find cheap representation, especially since you are already in a tight financial situation. But if there was ever a time to invest in a service, finding a good bankruptcy lawyer is it. If you find the right lawyer, he or she will be worth the cost, and make the entire stressful process of filing for bankruptcy easier.
Contact Your State Bar Association
It may be that you are having a difficult time finding potential attorneys period. A good place to start is the Bar Association of your state. The Bar of each state will list the practicing bankruptcy lawyers in your area. It is easy to Google this information, and from there, you will be directed to the websites of local attorneys and lawyer referral services. Another great thing about the internet is that you can read reviews by people who have been represented by these lawyers. It may not completely prepare you, but these reviews may give you an idea of what you’re getting yourself into.
Spend A Day At Bankruptcy Court
Seeing the bankruptcy process in action with give you a better idea of what you want in the lawyer presenting you, and will also provide you with some insight into the system itself. At court you also can learn directly which local attorneys specialize in bankruptcy, and perhaps even see them at their work. This will give you peace of mind as well as more information.