If you are considering filing for bankruptcy, it is highly advised to seek the help of a bankruptcy lawyer to ensure a successful outcome. A lawyer will be able to provide personalized service and expertise, as they are experienced in both federal and local law. While it is possible to file for bankruptcy without a lawyer, the judicial system warns that “misunderstandings of the law or making mistakes in the process can affect your rights.” Therefore, to make sure you are well-informed and your rights are protected, it is best to hire a bankruptcy lawyer for assistance.
Ways a bankruptcy attorney can aid your case
1. Determine if bankruptcy is the best option for you: A bankruptcy attorney can assess your current financial situation and help you determine if bankruptcy is the best option for you.
2. Assist with filing the bankruptcy paperwork: An experienced bankruptcy attorney can help you with the paperwork involved in filing for bankruptcy.
3. Represent you in court: Your bankruptcy attorney can represent you in court if any issues arise during the bankruptcy process.
4. Negotiate with creditors: Your bankruptcy attorney can negotiate with your creditors and attempt to reduce the amount you owe them.
5. Advise on post-bankruptcy matters: Your attorney can advise you on post-bankruptcy matters, such as how to rebuild your credit and how to manage your finances post-bankruptcy.
Here are some key things to keep in mind as you shop around for a bankruptcy attorney to represent you.
1. Look for a specialist
Finding a lawyer who specializes in bankruptcy law is the best way to ensure you are getting quality legal advice. The National Association of Consumer Bankruptcy Attorneys and the American Bar Association are good resources for finding a qualified lawyer. Additionally, asking others who have been through a similar process for personal recommendations can help you find a lawyer with the necessary experience and expertise.
2. Choose an attorney with adequate experience
When looking for an attorney with experience in bankruptcy, it is important to ask about the number of cases they have handled rather than simply relying on the number of years they have been practicing. Be sure to ask for evidence of their successful experience in bankruptcy cases. The National Association of Consumer Bankruptcy Attorneys (NACBA) recommends looking for evidence that the attorney has a solid understanding of the bankruptcy process and laws.
3. Focus on bankruptcy attorneys with local expertise
In order to ensure that your bankruptcy case is handled effectively, it is important to find a bankruptcy attorney who is familiar with both bankruptcy laws and the local laws of the court where the case will be filed. To do this, you should check with your state bar, which typically maintains a list of attorneys and their areas of expertise, and look for a lawyer who has practiced in your filing locality. This way, they will be able to use their knowledge of the local court procedures and personnel to their advantage.
4. Get an attorney with personalized service
It is best to avoid bankruptcy mills and petition preparers when filing for bankruptcy. Such firms handle a large number of cases without offering personalized advice, and petition preparers are not qualified to provide legal advice or guide clients through the process. It is important to select an experienced attorney who is familiar with bankruptcy law and can offer personalized advice and support.
5. Find an attorney you feel comfortable with
Find a bankruptcy attorney you feel comfortable with. Don’t just base your decision on price – paying a good lawyer their going rate could save you money if they successfully represent you. Ask around for referrals and do online research for more information. The NACBA may also provide helpful resources. Doing this will help you find an attorney who can provide the best possible outcome for your case.
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