Taking the initiative to admit one is finally filing for bankruptcy is not as easy as many people have been misled to believe. Statistics show that many people are filing for bankruptcy today more than ever before in history, with bankruptcy-related cases coming a close second to family law and criminal law. You can always file for bankruptcy without a lawyer, after all, you are broke how do you even afford to pay a bankruptcy attorney in the first place?
The process, however, gets complicated when you are dealing with any form of secured debt as it means dealing not just with the court but also with your financing partners. Secured debt means you will have to deal with your creditor first to reach an agreement whether or not it would be wise to redeem the asset attached or you can get a reaffirmation agreement. This is where you will need to work with a competent and wise chapter 13 bankruptcy attorney.
When you decide to proceed with an attorney, you will be expected to have a thorough understanding of chapter 13, how it works out and more importantly how to draft a good one. The paperwork is often too overwhelming especially for someone going through such a terrible financial situation, hence the need to lawyer up and let the attorney do the work for you. There are so many factors of consideration when looking for a bankruptcy attorney, but the most attractive of them all would be to find someone who actually addresses your personal issues in addition to handling the legal matter at hand.
Next thing to ask yourself is where to find the right man, or woman, thereof, for the job. Should you choose based on the advert you saw on television, or call that telephone number you have memorized for the past couple of weeks on the billboard that looks down on you on the highway? Maybe you are contemplating hitting the internet for some reviews of the top rated attorneys or want to ask friends and family for referrals. As long as you trust your gut feeling when you find a bankruptcy attorney, there is no right or wrong place really when it comes to searching for legal representation.
You might also want to look at how much legal representation will cost you when it comes to filing for bankruptcy. It is hard to tell exactly how much your chosen attorney will charge you regarding fees as there are several factors that inform their decision. Most attorneys would, however, charge a flat fee when dealing with Chapter 13 cases, while others may charge slightly more if you are filing for bankruptcy alongside your spouse. Ideally, the cost is often determined by how complex the situation at hand is.