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Friday, June 19, 2009

The Questions to Ask Your Bankruptcy Attorney

By David Williams

Filing for bankruptcy is one of the most difficult decisions you can make. But by hiring a knowledge bankruptcy attorney, you can make the emotionally wrenching process of declaring bankruptcy at least a little less stressful.

But before you hire a bankruptcy attorney, you need to ask the right questions. It?s all part of the research you need to conduct before hiring a professional to take you through the difficult process of filing for bankruptcy.

First, make sure that whatever attorney you hire devotes a significant amount of his or her caseload to bankruptcy filings. The laws governing bankruptcy filings are constantly evolving. You want to work with an attorney who is as current as possible when it comes to these always shifting laws.

Next, ask attorneys whether they will appear in court with you during the bankruptcy process. Often, you will only have to attend one court hearing. But you?ll want your attorney by your side, not a paralegal. Make sure your attorney does plan on appearing in court with you.

You should also ask bankruptcy attorneys to look at your financial situation to determine if bankruptcy might not be the best option for you. Filing for bankruptcy is extremely damaging to your credit history. Perhaps a bankruptcy attorney will suggest a different course of action. Of course, for many people, filing for bankruptcy, despite its negative effects, is still the best choice.

Next, ask attorneys what information they?ll need from you to get started on your case. Don?t be surprised if attorneys ask for a lot of paperwork. Filing for bankruptcy isn?t easy, or simple. That?s why you need a bankruptcy attorney in the first place.

Next, make sure any bankruptcy attorney that you are considering working with uses a written fee agreement. This agreement will spell out exactly what the attorney will do and how much the attorney will charge. It?s a good way to avoid problems down the road, and is a must for reputable attorneys.

After attorneys answer these questions to your satisfaction, you should then ask about fees. Too many people ask about this first, before taking the time to determine if a particular bankruptcy attorney is the right one for them. Yes, price is important. But just because a bankruptcy attorney charges a lower fee, that doesn?t make him or her the right attorney for you.

By asking the right questions, you will find the ideal bankruptcy attorney for your case. Filing for bankruptcy is never an easy process. But with the right professional working with you, it can be far less stressful. - 23200

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