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. Some people will argue it would be a wise decision to file for bankruptcy without an attorney, considering they are battling financial problems, to begin with.
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. What this means is you will have to discuss with your creditors whether or not they will redeem the property used to secure your loan or whether agreeing to reaffirmation would be the right approach to take. 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.
The question then begs where to find the right attorney for the job. Maybe you have seen this good-looking attorney on TV or one plastered on billboards along the highway? Should you check the internet for online reviews or ask for referrals from family and friends? All these are viable options to help you land the right Fresno foreclosure attorney.
The cost of hiring a bankruptcy attorney should be something you have to put into consideration Considering you are dealing with financial woes, it is always difficult to pinpoint the actual cost of working with a bankruptcy attorney as there are several determinants to the same. In general, you should expect a flat fee rate from your chapter 13 bankruptcy attorney, who may probably go up slightly higher should you be filing for bankruptcy as a couple. You expect to pay more if your situation is complicated.