Bankruptcy Attorneys - Choosing the Right Counsel

By: Anthony Russell


The ongoing economic depression is affecting people all over the world. Individuals are finding it difficult to sustain themselves. And many debtors are finding it next to impossible to redeem their debts, and become debt free. To find a way out, filing for bankruptcy might appear to be the way out. Even though one does not find long-term beneficial solutions while filing for bankruptcy, a few debtors are forced to consider Chapter 13 bankruptcy and Chapter 7 bankruptcy as probable options to control their financial situation. Filing for bankruptcy can be complicated, since premature or improper filing can lead to undesirable situations in the near future. One generally employs the services of an experienced bankruptcy attorney or lawyer to carry out the filing activity. So itís imperative to find the right kind of lawyer to handle the bankruptcy issues. The question is how does one decide upon the correct lawyer from so many bankruptcy attorneys available? The article tries to answer the question by providing a few suggestions.

Certain features indicate the characteristics of a good bankruptcy attorney. And there are also a few negative points to look out for while selecting upon the attorney. By considering both the positive and negative points, one can possible select a reasonably effective attorney, who can represent the debtor in a better way, and help to achieve the desired results. Majority of individuals considers bankruptcy as a final solution and look out for lawyers offering free consultations. So itís advisable to search out lawyers who offer free consultations, since they would have nothing to hide. Itís not recommended to pay any money upfront or pay the bankruptcy fees, since one cannot be so sure about the quality of services offered in the future. One might well end up losing the money, if the services offered are not up to date. Usually, lawyers donít refund any fees or money once they accept it. Good quality lawyers donít demand any money upfront, since they are sure about themselves and their abilities. Such lawyers usually provide a fee payment plan, and help the client in providing affordable ways and means to pay the fees. The fact is lawyers too need money, and earn their living through their fees. A few lawyers collect total fees once they file for Chapter 7 bankruptcy. They do not charge any fees upfront, or leave and fees to be recovered later. Some lawyers prefer their fees to be paid off in parts or installments as they proceed ahead with the bankruptcy activity. Very few lawyers collect their money after the entire bankruptcy is dealt with.

Itís important to stop the attorney from rushing things. Filing a bankruptcy is not a simple process. Lawyers are usually pressed for time, and thereís a tendency amongst lawyers to incorporate more work in limited time available. So they often tend to ďcombineĒ several activities together, and try to finish them ďat a goĒ. This is wrong, but it occurs. So at times, if the lawyer is hurrying things up, or forcing the debtor to do things quickly, one should clearly state and clarify that itís going to take some time, and that one needs certain flexibility in terms of timing to reach a decision. Arriving at decisions will take time. Basically, itís the debtor whoís financial future at stake - not the lawyers.

When debtor decides filing for bankruptcy, itís because he or she does not have enough money to pay off the creditors. Thatís the basic cause - lack of money and hiring out lawyers costs money. Therefore, one has to look out for attorneys who are affordable, and who can spend enough time and resources to represent the individual properly and in an effective manner. Thatís the only way to achieve desirable as well as favorable results.

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Usloanz.com is the Web site where you will find a trusted Bankruptcy Attorney who will help you make decisions regarding Chapter 7 Bankruptcy and Chapter 13 Bankruptcy that are right for you.

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