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Friday, June 19, 2009

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.

Start by asking attorneys how much of their caseload is devoted to bankruptcy filings. This is an important question because bankruptcy laws change so frequently. An attorney who only handles a few bankruptcy cases a year may not be well-versed on the latest bankruptcy laws.

You should also ask attorneys if they will accompany you in your court hearings. In many bankruptcy cases, you will be required to attend only one court hearing. Still, it?s better to have your attorney at your side rather than a paralegal. Not all attorneys, though, will attend the court hearings with their clients.

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.

You should also ask bankruptcy attorneys what paperwork they?ll require from you to get started working on your case. Bankruptcy filings involve a lot of paperwork. Compiling it can be a time-consuming chore, so the sooner you start on the process, the better.

Don?t forget to ask the attorneys you are interviewing if they work with written fee agreements. Reputable attorneys will have documents that spell out what they charge and what services they provide for those fees. It?s a way that knowledgeable bankruptcy attorneys protect themselves, and their clients.

Only now should you ask bankruptcy attorneys what they charge. This may seem counter intuitive, especially for clients struggling through a bankruptcy filing. But bankruptcy attorneys are performing a valuable and complicated service for you. Price should not be the main consideration in selecting one.

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. - 23218

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