how to pick a good bankruptcu attorney

^{How to choose a bankruptcy attorney}

1. Remember that you are the client. You are hiring the bankruptcy attorney. They work for you and represent you in this legal process. ...
2. Interview the attorney. We don’t click with everyone, and finding the right attorney to represent you is essential to getting the maximum benefit from this process.
3. Ask the right questions. When you meet with each attorney, keep your background information succinct, but be honest when describing your current situation and your goals.
4. Take a moment to ponder which attorney is best for you. ...

What should I look for when hiring a bankruptcy lawyer?

When you're looking for a bankruptcy lawyer, the first thing you should do is look for lawyers that specifically list the practice area of bankruptcy on their website. Just because someone is known in the entire state for being a top-notch foreclosure defense attorney, doesn't mean they know anything about filing bankruptcy.

Should I choose the cheapest bankruptcy lawyer in town?

Let's say you met with a couple of lawyers in town who both quoted you approximately the same amount for your bankruptcy case. In that case, don't go with the cheapest option and don't go with the closest one, either. Go with the option that makes the most sense for you.

Do I need a lawyer to file bankruptcy?

This is especially important if you're worried about your credit score. If you file bankruptcy without a lawyer and the case is dismissed (thrown out) because you didn't file all necessary documents, your credit report will still show the bankruptcy as having been filed.

Should I hire a bankruptcy mill or a lawyer?

In a large law firm setting, you might get the benefit of extended hours or a quicker turnaround time, but it's possible that you'll never really get to talk to a lawyer, only their paralegal. In short, don’t hire a bankruptcy mill hoping for the attention only a solo practitioner can give you.

How do I know which bankruptcy lawyer is right for me?

When you're looking for a bankruptcy lawyer, the first thing you should do is look for lawyers that specifically list the practice area of bankruptcy on their website. Just because someone is known in the entire state for being a top-notch foreclosure defense attorney, doesn't mean they know anything about filing bankruptcy.

What happens if you file bankruptcy without a lawyer?

If you file bankruptcy without a lawyer and the case is dismissed (thrown out) because you didn't file all necessary documents, your credit report will still show the bankruptcy as having been filed.

What is Upsolve for bankruptcy?

Upsolve is a nonprofit tool that helps you file bankruptcy for free. Think TurboTax for bankruptcy. Get free education, customer support, and community. Featured in Forbes 4x and funded by institutions like Harvard University so we'll never ask you for a credit card. Explore our free tool

What is a free bankruptcy consultation?

These free consultations are your opportunity to learn more about bankruptcy in general, what type of bankruptcy is likely in your best interest given your specific financial situation, and how the bankruptcy process works in general.

Can you file Chapter 7 bankruptcy if you have a garnishment?

If debt collectors are calling you constantly, even if a garnishment has already started, a Chapter 7 bankruptcy will help you stop all collection efforts immediately. There are plenty of how-to guides available in addition to whatever resources your state’s Bankruptcy Court may offer.

Do bankruptcy lawyers charge fees?

Bankruptcy lawyers know that folks who need help filing bankruptcy don't really have a lot of money to spend on attorney fees. And they know that most can't afford to find the right lawyer by paying a lot of money for an initial meeting with a bunch of lawyers. That's why most consumer bankruptcy attorneys offer free initial consultations for potential new clients.

How to find out if a bankruptcy lawyer is certified?

Once you find members in your area, visit your state bar's website to find out if they're certified. "Most states have specialist certifications for bankruptcy," says NACBA President Edward Boltz. This certification means the lawyer has been practicing law for a minimum number of years, spends at least half his or her time working with bankruptcy cases, is peer reviewed and has passed a written examination in that specialty.

How much does a lawyer cost to help a debtor?

Lawyers, even those who help you not pay your creditors, aren't free. The cost varies by complexity and location, but in general is between $800 and $2,500 from start to finish.

Is bankruptcy a serious process?

Filing for bankruptcy is a serious step, requiring excellent advice and the right representation. Here's how to find, and then choose, the best bankruptcy attorney for you.

Is Chapter 13 bankruptcy supervised?

Chapter 13 bankruptcy, a court-supervised payment arrangement, might also be on the table. A lawyer may recommend it if you have enough income to support at least some of your liabilities and own property that could be taken in a Chapter 7 or a lawsuit.

Do lawyers have bedside manners?

Not all lawyers have great bedside (or courtside) manners, so after the meeting, ask yourself if you're truly comfortable with that person and if all of your concerns were addressed. If you feel like a number rather than an individual, cross that lawyer off your list and move on to the next until you find one who treats you with some respect.

How to get a bankruptcy attorney?

Step 1: Remember that you are the client. You are hiring the bankruptcy attorney. They work for you and represent you in this legal process. Stop thinking you hope the attorney will accept you as their client. Remember, you have the power to make the best decision about who you want to represent you.

How to contact a bankruptcy lawyer?

Filing bankruptcy can be tricky, but the hardest part is often finding the best bankruptcy lawyer for the job. Free Debt Analysis. Contact us at (800)-810-0989. You’ve run into a financial jam. You’re looking at all your debt relief options and trying to decide how to tackle your problem.

What to do if you wait to file bankruptcy?

If you’re going to wait to file bankruptcy, ask the attorney if you can pay them each month to represent you until then. If collectors drive you crazy, you can then direct them to the attorney representing you instead of dealing with them yourself.

Why don't people file bankruptcy?

They don’t want to file bankruptcy because of assumptions they hold, opinions of others, or information they read online.

How to get out of bankruptcy?

Start being proactive and hunting for a solution. Consider bankruptcy and see if it is right for you. Stop being run over by the debt bus and start driving it. Remember, you are hiring the attorney. You are the client. You should be treated with professionalism, kindness, and respect.

What to say when meeting with an attorney?

When you meet with each attorney, keep your background information succinct, but be honest when describing your current situation and your goals. Do you want to buy a house, save for retirement, or build your emergency fund later? Are you looking to discharge student loan debt?

What happens when you are in the middle of a financial situation?

When you’re suffering in the middle of a financial situation, your emotions will run wild and you may struggle with your mental health. Panic can often be moments away. Fear and concern influence the decisions you make.