Filing for bankruptcy is the last option for many people when they find themselves in financial difficulty. Given the economic climate that has formed over the past several years, more and more people are finding themselves facing threats like foreclosure, and massive debt. Given that bankruptcy is a serious step to solving your problems, the last thing you need is an attorney who has no clue about how to help you. Here are a few things you’re going to know in order to pick the right attorney.
In order to find a great bankruptcy attorney, you’re going to need lots of time. Filing for bankruptcy is something most people dread doing, because of how it can affect your credit. They are hesitant to take this step, and many wait until the last minute to do so. Lawyers need enough time to review your case, and give you a thorough assessment. Without this time to prepare, it doesn’t matter how talented your lawyers is. In this case, when it comes to giving enough time, the ball is in your court. Don’t procrastinate!
Another responsibility that will likely fall on you, is finding out where you look for the attorney. Too many people make the mistake of asking their friends for information about “good” attorneys they know. Your friend’s attorney, that helped them fight a DUI case, might not be the best lawyer for you. Unless one of your friends has been through a bankruptcy filing before, it would be best to look elsewhere.
Before you go looking for an attorney, try doing some homework on your own. Look into the bankruptcy policies in your state. For instance, in the state of California, there are a number of steps to take when filing for bankruptcy. You have to gather up the required documents: pay stubs, assets, creditor history, tax returns, etc. You’ll also have to attend credit counseling, speak with creditors at a 341 Hearing, and complete a course on debtor education. An attorney should be able to go in-depth about all of these things, but it would be a good idea to get an overall grasp of what to expect.
When you do go to see an attorney, don’t be afraid to ask questions – this is a time that too few people take advantage of. Yes, having an in-depth understanding about the bankruptcy filing process is important, but it shouldn’t be your only concern. What should be on your mind, when meeting your attorney, is the attorney themselves. What are their credentials? How many bankruptcy filings do they deal with annually? Have they received their certification from the ABI – aka the American Bankruptcy Institute? All of these aspects are vital to know.
If you need advice and are looking for a bankruptcy attorney in Irvine, CA, consider Hobbs Legal Solutions. You’re free to ask them about all of your concerns about their law office, and about your circumstances in general. They can help you get back on right track.