Are all bankruptcy attorneys equal? Not when it comes to time, money, experience, and knowledge. This guide shows you how to hire the right one.If you're considering filing Chapter 7 or Chapter 13 personal bankruptcy, one of the biggest decisions you'll make isn't how you handle the court, the documents, your assets -- no, it's how you choose an attorney. That's the first step in filing. This guide shows you how.
How an Experienced Attorney Helps
Say you make over $60,000, but have large debts in a variety of places. Already, you most likely will not be able to use Chapter 7 bankruptcy. You might be getting a lot of creditor harassment. You may be falling behind in mortgage payments.
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In this case, an experienced attorney can help you 1) decide how to handle creditors and 2) how to file for Chapter 13 to save your home.
In this case, you make too much to file the more common Chapter 7. However, it might be better to file for Chapter 13 anyways. Why? Because the debt repayment plan allows for you to pay back on your mortgage, car payment, and credit card bills over 3-5 years. An experienced attorney helps, of course, in far more situations that that. A bad one could cost you time and money.
How an Inexperienced Attorney Doesn't Help
An inexperienced attorney may not be lacking talent, just time. Many attorneys take on too many clients and don't have time to educate you on filing and handling negotiations. In other ways, an attorney needs to have the time to spend with you to get this right. If they lack clear experience, even if the price is right, you should be thorough in reviewing them.
How to Hire Based on Price
Experienced attorneys aren't always cheap, but the reality is most of the rates are uniform. Bankruptcy law is about hiring based on experience. You might pay more initially to hire the right attorney, but it saves you more time and money in the end.
How To Look Online
If you're interested in hiring a lawyer, you might wonder how to start. There are state bars in every state, but also many attorneys have sites and blogs showcasing how they can help you. Now, you shouldn't hire the first one you find, but you can go over a variety in a short amount of time researching online.
How to Query Attorneys
You query to find rates, years experience, and availability. Few lawyers will turn down work, but you should be clear you want adequate time spent on this case. A phone call or two is not enough. Query 5-10 attorneys you feel have the experience.
Who You Hire
Deciding who to hire based solely on price sometimes is your only option, but remember, your financial future is at stake. Hire for experience, hire for reasonable rates, hire a lawyer for taking a personal interest in helping you.
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