Things to Think about before Hiring a Bankruptcy Attorney
If you are accruing unmanageable debt, facing a financial crisis, and are being harassed from your creditors and collectors with no way to avoid the multitude of collection calls and letters, it is the time to consider filing for bankruptcy. The process of filing for bankruptcy is a demanding and complex legal process which requires the expertise of an experienced and well qualified bankruptcy attorney.
Hiring the services of a professional bankruptcy attorney requires considerable planning and diligence on the part of the bankruptcy debtor (you). Furthermore, the following essential points should also be taken into account:
1)Do not procrastinate on your plan to alleviate your financial crisis. If you contemplate
your plan to file for bankruptcy, your property or regular income may be subject to garnishment. In such a case, your attorney will not be able to reclaim lost income seized prior to filing for bankruptcy.
2)Be forthcoming with your attorney. Asking for your attorney’s advice and the strategy the attorney has developed will inform you of the bankruptcy process and the likely outcome concerning discharges of your debts. Ensure your attorney is well versed in his knowledge of the bankruptcy process. Bankruptcy is a unique and multifaceted legal field and requires professional knowledge of bankruptcy practice. The best places to research potential attorneys is through the local and state bar association, and additional legal practice groups.
3)Make sure you are confident about the legal expertise and experience of the attorney you are considering employing. This is an important decision and, as the debtor, you must make certain you are actively involved in the bankruptcy proceedings and certain your attorney is capable of successfully managing your financial concerns.
4)Use the Internet, newspapers and other media forums to contact a reliable attorney who can efficiently manage your situation and cater to your specific needs. Seek websites listing bankruptcy attorneys and their ratings. After reviewing bankruptcy attorneys, consider visiting their law firm websites for further details concerning the attorney’s experience and practice locations.
5)Seek reputed attorney’s who provide free consultation. This will allow you to explain your financial situation and receive free legal advice as to how the attorney will proceed with your case. An experienced attorney may have other options aside from filing for bankruptcy. A free consultation will not only allow you to explain your unique and individual situation but also enable you to choose the best in bankruptcy attorney.
6)Once you have selected the attorney whom you want to represent you, go for an interview with the attorney. This interview will help you to determine whether you can work well with attorney and the firm employing him. You can probe the attorney and other legal professionals at the firm the following details:
•Number of bankruptcy filings they normally undertake in a month or year,
•Number of consumer or personal bankruptcy filings
•If attorney himself is not handling the case, with whom would you work then
•Meeting that person in charge of your filing
•About the procedure
This interview process will help you to not only to evaluate your attorney’s competence but also the level of knowledge of his clerks or paralegals who may be handling aspects of your case. Carefully consider the responses to your questions during the interview before deciding about employing an attorney. Always choose an attorney according to your personal requirements and obligations.
7)Consider the business relationship between you and your attorney, so that no stone is left unturned when filing of your bankruptcy petition. Also, once you have hired an attorney consult with the attorney during the bankruptcy process so you will be fully informed of the status of your case.
8)Any bankruptcy attorney you hire should be highly verse in the bankruptcy procedures and processes, including petition preparation and 341 Creditor meetings. Ensure you are accurately conveying essential information about personal details and financial records.
9)Verify the fee structure and specifics of filing your bankruptcy case. Your local bar association can help determine whether the fee charged is fair and in line with the defined local fee structure. Also inquire as to any additional costs you may be required to pay aside from the attorney’s feed.
10) Above all, remain active and involved in your case, and do not leave everything on your attorney. Respond promptly to your attorney’s request for financial documents and other issues concerning your case. This proactive approach will allow your attorney to zealously and meticulously process your case and ensure your bankruptcy proceedings go smoothly.
If your debts are overwhelming you, and other relief measures are not helping, an experienced and professional bankruptcy attorney from Wani & Associates can help you eliminate your debts and repair your credit rating. Contact Wani & Associates, P.C. for expert debt advice and skilled legal assistance to explore how filing for bankruptcy can eliminate your debts and provide you with a fresh start in your financial affairs.