Most people find out the hard way how easy it is to fall into dept. You have probably said to yourself “Oh what the hey, I deserve to splurge on myself from time to time,” to relieve your guilty mind about buying something you really don’t need and pay for more than you can afford. You’re not alone when it comes to over spending. Thousands of good families get into dept every year, and it doesn’t look like it’s slowing down. If it gets to the point of bankruptcy, you will likely need to seek the help of a bankruptcy attorney.
Here are some helpful suggestions on how to choose the right attorney for you:
1. The first thing you need to do is call your local bar association. They will help you with a list of bankruptcy attorneys in your area. While the bar cannot specifically tell you who to hire, they will provide you with the phone numbers of the bankruptcy attorneys that can help you with your specific needs. Bankruptcy is a specialized area of the law, this is why you must hire an attorney who is trained in this area of expertise. Make sure the attorney your hire is up on all the new tax laws. New laws are added and taken away every year it seems. Depending on what type of bankruptcy case you will be filing — consumer or personal, commercial or business will depend on what type of lawyer you actually will want to retain. There are also lawyers who specialize in agricultural bankruptcies.
2. Next, talk with a couple of your friends and acquaintances. When looking for a bankruptcy attorney, word of mouth is a good way to weed out the good and bad, however, in the end, this is your bankruptcy and only you really know what you need. Chances are very good that you know a friend, family member or colleague who has had to go through a bankruptcy. Find out what that person or those persons have to say about the lawyer or lawyers that they have used for their own bankruptcy cases.
3. An Internet search about the specific lawyers that deal in bankruptcy laws is your best bet starting out. Oftentimes when you find a good attorney search website, you can give your zip code of your area and the site will give you attorneys that deal in bankruptcies in your specific area. You have on your list of potential attorneys to assist you in your own bankruptcy case. By reviewing this information, you will be able to develop a clearer picture about the business and background of particular bankruptcy lawyers that you are considering employing.
4. You should have a list of attorneys by this time and now your ready to call a few attorneys and meet them. At least have a phone interview with a couple attorneys, doing this will scratch a couple off your list and narrow it down more. This will leave you with the runners up that you can take the time to actually meet face to face.
5. The final choice in how to find and choose a bankruptcy attorney involves making the decision to go with a particular lawyer. At this point in time, you will want your new lawyer to provide you with a specific contract that lays out what your lawyer will do for you, what services he or she will provide. In addition, you will want to make certain that the lawyer specifically lays out what he or she will be charging you in the way of fees and how those fees will be paid by you. In most cases, attorney fees that are given to you by your attorney will have to be approved through the bankruptcy court, so you will not have to pay your attorney fees up front.
Hopefully these steps will help you find what you need to get some order in your life back. These are just suggestions and are here to help those who need and want help. As a result, you may have the best possible chance to truly get your life back, hopefully this will be a lesson learned and if you are smart, you will never have to be in this situation ever again.