So you happen to be in the unfortunate financial situation of needing to file personal bankruptcy. As this is a legal issue, on top of everything else you'll need to find an attorney. And like with any legal situation, you want a specialized lawyer as not all bankruptcy attorneys are created equal.
Specialization
One of the initial things to check for when selecting this attorney--who is going to have an inside view of your life style--is SPECIALIZATION. Bankruptcy is complicated and challenging, and there are sophisticated problems that will arise when more than one party's claims against you need to be resolved. So specialization is key.
Professional Associations
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But specializing in personal bankruptcy law isn't enough, especially these days--you'll want someone who is affiliated with known and respected professional associations. Why are these important? Because these organizations are where professionals get to remain current with what's going on in their industry and interact with peers, mentors and others in the field--all of which increases the attorney's overall knowledge and practice in the field, and this helps you if your situation isn't routine. You'll be better off if the attorney you select is active in the local bankruptcy bar and/or is a member of the National Association of Consumer Bankruptcy Attorneys (or a similar group).
Cost Breakdown
There is a great deal of administrative paperwork in a bankruptcy case, and this can and should be handled by the attorney's assistants and paralegals so you're not charged the lawyer's full hourly rate for mundane activity. This also means that your attorney won't be handling everything, but you should make sure that the lawyer you select stays with the case until the end. Be sure to ask about additional fees or charges that might occur if a disgruntled creditor challenges your discharge. There are some Chapter 13 cases in which your legal fees can be amassed in an overall repayment plan that you structure, which might not be the best option for you; be careful and prudent.
Professionalism
Your financial future is at stake, and there are numerous complexities involved, which means that the personal bankruptcy office you select should have all the signs of an efficient, organized and well-run office. A top-notch staff that practices exemplary customer service also falls under professionalism. In addition, your abysmal financial situation is extremely crucial to you and your mental state, be sure that the attorney you select knows how to closely listen to you and your specific needs, what you want (maybe bankruptcy isn't the best option), and what your goals and expectations are.
At the end of the day, the bankruptcy attorney is supposed to help you though an extremely stressful and trying situation, so you want someone who is going to effectively guide you through the process and help you set the stage to get back on your feet.
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