Can a Bankruptcy Attorney Help You Become Debt Free?

When living under the oppression of debt becomes too much to bear, your attention turns to becoming debt free. If you have substantial debt to overcome it may seem impossible. The problem isn’t so much that it’s impossible, but that you don’t know how to go about it. Should you turn to a bankruptcy attorney to get your finances out of the hole?

How much an attorney can help depends on your specific situation. If you believe bankruptcy could be the best way to become debt free in your case, then you should go in and consult with a bankruptcy attorney. Most attorneys offer a free consultation where you can ask basic questions and listen to what the attorney thinks you need to do in order to get out from under the debt.

Whether an attorney can help you beyond the consultation will depend on how they assess your situation and whether you decide to file for bankruptcy or take other options to relieving your debt. For instance, one alternative to filing bankruptcy may be to go through some type of debt counseling program. Another option for some people may be a debt consolidation arrangement. Those that are best suited to bankruptcy are those that need a bankruptcy filing to get debt free.

Bankruptcy Attorney Consultations

Whether you are sure that bankruptcy is the only way for you to relieve your debt or you just want to consider it as one of your options, the first step is to call up a local bankruptcy attorney and go in for a consultation. Initial consultations are typically free, though you will be limited to a half hour or an hour for the entire discussion.

You should come to the consultation prepared to explain your situation and show any paperwork that may help the attorney understand where you are in terms of debt. The faster you can present your situation to the attorney, the more time it leaves for them to analyze your options and give you a recommendation.

In most cases, a bankruptcy attorney will not outright say that you need to file bankruptcy. They will give you all of your options to become debt free and if you are a candidate, bankruptcy will be in the mix. In some cases this may be the best case for your situation but in other cases there may be some other options that can be considered.

Working with a Bankruptcy Attorney

During the consultation you should receive all the information regarding filing bankruptcy. You will know how much it is going to cost you to file, how long it may take for the process to work itself out, and what happens after you file. From there you can think it over and decide whether you want to do it.

If you do decide to work with the bankruptcy attorney and file, you will go back in to pay for the process and officially have the paperwork drawn up. In most cases you will then wait for someone in the attorney’s office to prepare your paperwork and submit it to the courts. During this time you can inform any debt collectors calling your home that you have filed bankruptcy and they are no longer to call you.

A debt free life is fast upon you at this point. Follow directions from the bankruptcy attorney and you will be free from the stress of debt soon.

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Your Chapter 7 Bankruptcy Attorney Consultation

If you’re having trouble making ends meet and have looked into every available option, it just may be time to consider filing for bankruptcy. If you are filing for Chapter 7, you will need to find a quality chapter 7 bankruptcy lawyers.

The filing process can easily relieve the financial burdens of a family and help to ease the monthly debt. With the right lawyer on your side, you have the potential to start anew in as little as a few months. In this article, we will outline what you should expect during your consultation.

Step 1: You’ll want to use a legal representative who offers free consultations. Many will offer this service, but some do not. Always inquire whether the initial visit is free. This meeting is where you will be able to discuss your individual circumstances surrounding the bankruptcy along with filing costs and legal fees.

Step 2: Ask in regard to the cost of financial counseling. These sessions should not cost you more than $30 for the initial session and a cool $20 thereafter. Some practices offer online counseling services to their clients.

Step 3: Be sure to discuss the overall cost of filling fees. In many cases a chapter 7 is under $400, but these fees will vary. Know what you will be paying up front and schedule payments if needed.

Step 4: Understanding exactly how your lawyer gets paid is important in any case. The typically cost for a chapter 7 bankruptcy is around $3,000 depending on location and must be paid in full prior to having it discharged. This is in contrast to a chapter 13, where the cost is broken up into two separate payments.

Step 5: Prior to signing any contracts or agreements with the legal representative, be sure they will be able to actually help your situation. The time frame of the involved is rather important, and your lawyer will need to have the amount of time to devote to your case so that everything is finished as quickly as possible.

Step 6: Once you’ve finished your consultation, you should have a fairly good idea whether this lawyer is the one for you. Take the time to go home, and think on it, even for just a couple hours. Make your decision, based not only on the above suggestions, but on how you perceive the lawyer overall. By making an informed decision and trusting your gut, you can do no wrong.

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Divorce Attorney Consultation Questions

Your attorney will play a key role in your divorce. You need to feel comfortable working with him or her. The following questions can help identify the correct attorney to partner with you during this trying time.

Use these questions during your initial consultation with attorneys. Do not be intimidated or embarrassed to ask tough questions; they are used to it. You need to understand your legal rights and choose the lawyer best suited to your needs.

Attorney Experience and Practice

How long have you been practicing law in this state?
How long have you been practicing family law?
Are you a Certified Family Law Specialist?
If so, by whom are you certified?
What percentage of your practice is devoted to family law?
How many family law clients or cases do you currently have?
Do you handle all aspects of divorce including child custody issues and disputes?
What percentage of your divorce cases go to trial?
Are you familiar with the family court judges in our city? If so, please explain.
Are you willing to go to court or trial if necessary?
Are you willing to settle cases or do you always go to trial?
What percentage of divorce cases do you settle?
What percentage of your cases settle before trial? During trial?

Legal Fees and Payments

What is your hourly rate?
Do have separate rates for face-to-face, phone, and email?
Are there different rates for associates, assistance, and paralegals?
What is your retainer fee?
Do you accept credit cards for monthly payments?
How much do you estimate my divorce will/could cost?
Will my spouse be required to pay any of my legal fees
Can I withdraw money from a joint account to pay my divorce retainer?
What happens if my retainer fee runs out before my divorce is finished?
What happens if I can not afford to pay you completely during the divorce process?

One of the best ways to help you in your attorney selection process is to make yourself a list. I like to use a spreadsheet. Track names, numbers, email addresses, and any other information which can help you in your decision making process. I also suggest creating a ranking scale for each item you are comparing.

Of course after all your hard work in identifying the correct attorney, you then have to deal with a good working relationship as well. If you are not happy with your attorney or their staff, speak up. They are charging you a ton of money so make sure they are working for it. Do not just sit back and think they will do everything for you. Educate yourself and ask questions. You are the client. They are working for you. Remember that because there will come a time when you may need to remind them of the same.

Criminal Defense Attorney Consultations Answer Questions

Even if you are unsure if you need to hire a criminal defense attorney, it is a good idea to discuss your case in full with a lawyer during a consultation. Most people faced with any type of crime charges do not realize they have options for fighting those charges or reducing their punishment. However, with the aid of a lawyer, you can learn more about what those options are and find out what you should do going forward. Every situation is different, but at a consultation, you have an opportunity to get the help, guidance and insight you need to move forward.

Do You Have Questions?

During a consultation with a criminal defense attorney, the lawyer as well as the person charged with the crime can talk about the case within the confines of safety. What you tell this person will not leave the room and you do not have to worry about punishment for it. However, what you should not do is to leave things out. Provide full disclosure to the lawyer about what happened and why you are now facing these charges. This way, an honest opinion is possible.

What Will Happen?

One of the things these lawyers can do is to provide information about what can be expected during the process. In short, you will learn what steps you can take to overcome what you are facing.

• What will the punishment be for this crime if you are convicted?

• What is the likelihood of fighting the charges and being given a not guilty verdict?

• What will the process be like? How long will it take?

• What will happen to you between now and the court date? What limitations will you have?

• What will you be able to do to obtain a plea agreement or to get the charges reduced, if that is possible?

The biggest question most people have though has to do with what they should do. A criminal defense attorney will tell you what steps you should take to get the best possible result from the situation you are in right now. That may mean hiring the lawyer to fight the charges or it may mean taking a guilty verdict to reduce the punishment.

Because every situation is very different, it will be up to you to make the ultimate decision about what you should do. However, following the advice of a criminal defense attorney often is the best route to take to get the best outcome. His or her experience can often help you to know what to expect during this process and after it as well.

Divorce On A Budget: Self Help Divorce, Attorney Consultations & Minimizing Costs

If you are like many, you may find the possibility of divorce to be overwhelming and unaffordable. In addition to being a stressful and emotional time in your life, a divorce can also be financially draining. There are a number of ways, however, that a self help divorce can be achieved through a combination of quality divorce advice from a licensed divorce attorney and cooperation from both your and your spouse.

As most divorce lawyers will tell you, the least expensive way to achieve a divorce is through an amicable settlement involving both parties. If you and your spouse can agree on child custody (if applicable), alimony, the division of assets and other important information relating to the divorce, you may be able to achieve satisfaction through divorce mediation. Because a neutral third-party individual presides over the matter, both you and your spouse will need to seek the help of a divorce attorney if preferred. Although not required, a divorce lawyer can offer important information throughout the mediation process, including your rights under the current divorce laws and advice on divorce that you may not otherwise consider. A divorce mediation is quicker and more affordable than a lengthy litigation process through divorce court. There are several instances in which divorce mediation may not be an option, including a marriage that has a history of abuse or when one spouse is fearful of the other.

If you prefer to file divorce papers independently after having researched your own self help divorce information, it may still be to your benefit to consult with a professional divorce lawyer. In many cases, divorce attorneys offer a free initial consultation. It is important to inquire about this policy prior to scheduling a meeting, however, as every divorce lawyer has his/her own guidelines when it comes to client meetings and/or telephone calls. If you are able to schedule a free or low-cost consultation, it may be well worth your time to speak with a professional who can offer valuable divorce advice on your case. Because divorce lawyers are experienced and knowledgeable about local divorce laws, you may find that the information gained is priceless. Even if you choose to proceed with filing the divorce papers yourself, having spoken with a divorce attorney may prove to be helpful in the future. This is especially true if a problem should arise within the case and you can then retain the services of that same attorney who is already familiar with your situation.

In most areas, legal aid is also available to help those who are financially strapped and still need help with legal issues. Because the litigation process through divorce court is both complex and lengthy, the legal fees can quickly add up. In some instances, a trial may be the only option. For those who can work together, settle their matters in a civilized and fair fashion and wish to minimize their expenses, consulting with a divorce lawyer about various options may be a good idea. Unless you have a very good understanding of local divorce laws and the legal process in general, filing your own divorce papers may be difficult. If nothing else, a divorce attorney can help you to get the appropriate papers completed and filed while offering professional divorce advice to help make this stressful time a little less painful for all involved.

The information contained in this article is designed to be used for reference purposes only. It should not be used as, in place of or in conjunction with professional legal advice regarding divorce, child custody, alimony, self help divorce and/or divorce laws. If you are in need of divorce advice or are considering a marriage separation, consult with a professional divorce lawyer in your area for further information and/or divorce advice.

Car Accident? Injured? Get a Free Attorney Consultation

When it comes to settling claims, having an experienced attorney fight your claim can make all the difference between success and failure. Yet, people still shy away from consulting an attorney. Why? Is it because of some myths associated with them? If you need more proof to be less wary of consulting attorneys, here are the top four reasons:

Reason 1:
Most initial accident or injury claim consultations are absolutely free, with no obligation to continue further legal counsel. So you do not have to hire the attorney no matter how many questions you ask about settlement tips, injury claims, etc. This should be enough reason to motivate you to see a qualified injury claims attorney for settlement tips.

Reason 2:
By consulting an attorney, you are also exercising your right to speak to an attorney before you provide any information to the insurance company. If you plan on submitting a written statement before consulting an attorney, you could be harming your accident claims case without even realizing it.

Any negotiations with your insurance company before you consult an attorney can go against you in many ways. One important way is that the company pegs a certain settlement value to your claim, which is usually lower than compensation amount you deserve. Later, even if you engage an attorney, the provider will always bargain based on their ‘original’ settlement value.

Reason 3:
No one can advise you about ALL the damages that you are entitled to better than an experienced attorney. He will also be able to inform you about the right parties and policies to file claims with, since such subtle legal changes make all the difference. With such appropriate knowledge, you will no doubt file your vehicle repair claim, medical claim, etc. with all the right parties.

Reason 4:
Getting fair compensation from an insurance provider is rarely easy. The need of an experienced personal injury attorney to successfully resolve your case cannot be emphasized enough. In fact, there are studies that prove that insurance providers pay more compensation when the claimant has involved an attorney.

In other words, if you don’t want to hire an attorney because you think it’s a hassle, you are in for more trouble than if you have an experienced attorney on your side. Contact for further information on claims related issues.