Filing bankruptcy can be difficult, but the hardest part is finding the best chapter 13 bankruptcy attorney highland in for the job. You have run into a financial jam. You are considering all your debt collection and trying to decide how to tackle your problem. What should you do?
A classic mistake many people make is crossing bankruptcy off the list. They don’t want to file for bankruptcy because of the assumptions held by the opinions of others , or the information they read online.
Also, emotions can make this decision even more difficult. When you are hurting in the middle of a financial situation, your emotions run amok and you may have problems with your mental health . Panic can often be on the verge of breaking out.
Fear and worry influence the decisions you make. That is why it is essential to act with intention and make decisions based on facts and truthful information.
Bankruptcy is a highly regulated process – with flexibility
I am a firm believer in obtaining expert advice and assistance in dealing with a subject in which one does not have any advanced skills.
It seems ridiculous for someone to go to the garage and get a drill to make their own dental filling, right? Well, it’s just as absurd for someone to want to file for bankruptcy on their own. Just because you can doesn’t mean you should.
Bankruptcy gives you important legal protections. But making mistakes when filing for bankruptcy can have consequences. In the hands of a competent bankruptcy attorney harrisburg nc, filing for bankruptcy is an art and not a paperwork process.
For example, you might think you are making too much money to file for Chapter 7 bankruptcy rather than Chapter 13 bankruptcy . Just looking at information online can easily lead you to the wrong conclusion. I have seen many people who did not seem to qualify for rapid debt elimination in Chapter 7 to be able to apply for that protection when they work with a good attorney.
The key is finding the right bankruptcy attorney who can provide you with advice, opinion, and a plan to get the most out of bankruptcy. Click here for Bankruptcy Attorney Staten Island NY.
How to choose a bankruptcy attorney
choose a bankruptcy attorney; bankruptcy lawyer talking to a clientThink of finding a bankruptcy attorney like a new dentist. You know how that is. It’s hard to tell if a random dentist will be someone you trust and like.
When looking for a dentist, you can go through the reviews and ask local people for their opinion.
Finding the right bankruptcy attorney is a more difficult process. Nobody wants to ask people if they filed for bankruptcy and liked their lawyer. And it is difficult to find a good bankruptcy attorney with just one call.
So what can you do to make it easier for you to find the right bankruptcy attorney? Follow the four steps below to simplify the process.
Step 1: Remember that you are the customer
You are hiring a bankruptcy attorney. They work for you and represent you in this legal process.
Stop thinking that you should expect the lawyer to accept you as their client. Remember, you have the power to make the best decision about who you want to represent you.
Step 2: Interview the attorney
We do not contact everyone, and finding the right attorney to represent you is essential to get the maximum benefit from this process.
You can check online reviews about local bankruptcy attorneys who are licensed to practice law in your state. But the best way to find the right attorney is to talk to them.
Bankruptcy attorneys often offer a free or low-cost consultation for prospective clients. I highly recommend that you make an appointment to go and meet with the attorney face-to-face. Do not get nervous. No one is judging him.
When you visit the attorney, observe how you are treated in the office. Are the communications timely? Do they treat you with respect? Does the attorney give you guidance and advice based on your specific situation?
Step 3: Ask the Right Questions
When meeting with each attorney, keep your background information concise, but be honest in describing your current situation and your goals. Do you want to buy a home , save for retirement , or build your emergency fund later? Looking to pay off student loan debt ?
Deciding the best form of bankruptcy to file and when to file will depend on your particular situation and what you want to accomplish.
For example, maybe your current car is dying. Before filing for bankruptcy, it may be the right time to buy a new, reliable, fuel-efficient car and make those monthly payments through your bankruptcy to keep the car.
Or, let’s say you retire in the next six months and your income is going to drop significantly. It would be better to wait to apply until that happens.
If you are going to wait to file for bankruptcy, ask the attorney if you can pay him / her by the month to represent you until then. If collectors drive you crazy, you can direct them to the attorney representing you rather than dealing with them yourself.
Step 4: Take a moment to reflect on which attorney is the best for you
After interviewing at least three attorneys and their offices, take a few days to think about which attorney will be the best for you. Remember, you are the customer.
Once you have made your decision, let the attorney know. Give the office the information you need and don’t be afraid to ask questions during the process.
