Going through bankruptcy is truly harrowing. Often it is a last resort for individuals, for families, and for businesses. Having to file bankruptcy happens, it is no reason to feel ashamed and no one should ever look down on anyone who has to doing. However, that does not mean it is not a frustrating, scary, confusing, tedious, and overwhelming endeavor. It is entirely possible for file for bankruptcy without the help of an attorney. That being said, it is always better to go in with a lawyer, and there are so many skilled, experienced, reputable, and trustworthy bankruptcy lawyers out there that there is absolutely no reason why you should go through this ordeal by yourself. Likewise, there is absolutely no reason for you to deprive yourself of a good lawyer's solid expertise in these matters. There are, however, some guidelines you need to follow as you go through the process of choosing the best lawyer for your needs.
First of all, it is really important to look at some of the benefits of filing for bankruptcy. It has so many negative connotations and is the recipient of so many mistaken beliefs that a lot of people are afraid to even think about it - primarily, they are afraid of what others will think. People do not seem to realize how much stress can be relieved from filing for bankruptcy. You will not worry so much about your finances, which can actually lead to a number of physical, emotional, and mental problems. Debt can be a real killer, both literally and figuratively.
It is best if you can find a lawyer who will give you a consultation for free. A high number of lawyers do this, including bankruptcy lawyers. Many of them realize what dire financial straits their potential clients are in, and they have no desire to make the monetary strain any worse. When you are talking to potential lawyers, you always want to see if your first consult with them, your first visit, will be free. It is during this visit that you can talk about your specific circumstances, as well as how much it will cost you to file for bankruptcy, what the lawyer will charge, and so on.
Many bankruptcy lawyers either offer financial counseling or will help you to get in touch with a professional who will provide the service. This counseling is important when you are filing for bankruptcy. However, it is important to ask about the cost of these services, because typically they should not cost more than between thirty and fifty dollars for the first session, and far less than that - between twenty and forty dollars - for any further sessions.
You want to understand everything about what you are going to have to pay before settling on a lawyer. Fees vary but generally you should not have to pay a bankruptcy lawyer more than around twenty five hundred for a Chapter 13 filing. You really want to make sure that you are not getting ripped off and that you have a reputable, skilled lawyer.