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Friday, June 19, 2009

Questions to Ask Your Bankruptcy Attorney

By David Williams

It?s not easy to decide to file for bankruptcy. By working with a knowledgeable bankruptcy attorney, though, you can make filing for bankruptcy at least a little less stressful.

But how do you find the right bankruptcy attorney for you? Simple: You have to ask each attorney whom you interview the right questions. It?s all part of doing your homework, and will help you find the ideal professional to guide you through the bankruptcy process.

First, ask potential attorneys how much of their practice that they devote to bankruptcy work. Bankruptcy laws change all the time. Attorneys who file bankruptcy cases on a regular basis will remain up to date on the latest nuances of bankruptcy law.

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.

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.

Remember, you do get what you pay for. Often, the cheapest bankruptcy attorney isn?t the best one for you. You want a knowledgeable, skilled and ethical bankruptcy attorney. These often don?t come cheap. Ask the right questions, though, and you?ll find the right attorney. - 23212

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