If an individual has filed for Bankruptcy then they are doing it out of a sense of helplessness. That being said, it is important that filing for bankruptcy is a well-informed decision and not an impulsive one.
This process can sometimes be stressful and complicated. For an individual who has always had control over their money and how it is spent, filing for bankruptcy makes one feel helpless. To top it off, if you were to file this without knowing what it entails, then you need to ensure you have all the facts on hand. One wrong move, and the court could reject your filing.
A good bankruptcy attorney in Milwaukee, WI at http://mydebtadvisors.com/downtown-milwaukee-location.shtml, will be able to guide you with the necessary documentation or paperwork required for effective filing of Chapter 7 or Chapter 13 bankruptcy. A good attorney can help you answer most of your questions to even get you out of debt.
Finding a qualified and experienced bankruptcy attorney can be also a process by itself. You have various options –
- Ask your family, friends or colleagues for referring one that they may be aware of or they have used or recommended in the past.
- Check with some other lawyers who could refer you a good bankruptcy attorney.
- Sometimes your employer might provide you a group legal plan which can also help you find at least an attorney who can give you preliminary advice.
- Look for county or state bar lawyer-referral panels. They maintain a lawyer-referral directory or you can look up the internet.
- Some of the courts in certain states maintain a list of practicing attorneys. They usually offer this service to the consumers. They can give at least 2-3 names and contact numbers of bankruptcy attorneys.
But when you are hiring an attorney for filing bankruptcy, what is it that you should look for? Here are some tips:
- Specialization in Bankruptcy: It is best to look for a good, experienced bankruptcy attorney. You need to look a lawyer who specializes in bankruptcy. Which means his practice should be focused exclusively on bankruptcy or maybe along with bankruptcy in some other areas of law.
You must visit his company website; check his office and which school he went to.
Also validate if he is certified by the American Board of Certification. If he is, then you can be rest assured he is a good attorney and is an expert in bankruptcy law.
- Time Availability: Usually you will have two options. You can either look for an attorney of a large firm who is very experienced and charges a bigger fee or is from a small firm who hand holds you and charges less but is not as experienced. Besides this, what is most important is that sometimes bankruptcy attorneys can be extremely busy. Especially since bankruptcy cases are on the rise. In 2010 itself 1.5 million Americans were declared bankrupt. So, the attorney you hire should have the time available for your case. Only then he/she can guide you effectively.
- Check with NACBA & Bar Association: It is important to check if the attorney you plan to hire is registered with The National Association of Consumer Bankruptcy Attorneys, a well respected consumer bankruptcy organization. The NACBA offers resources for people deep in debt.
Also the Bar Association of your state will have a list of such lawyers. They can tell if there were any complaints or disciplinary action taken against him in the past. This should give you some information about his credibility in the legal field.
- Meeting with the Attorney: After you have had a chance to speak to the attorneys on phone, you must organize a face-to-face meeting with them. This will give you a chance to discuss the details of the case and also see his office. By visiting his office, you will be able to understand the level of his practice, his support system and how busy he is.
- Trust: In this scenario, what’s most important is that you must feel confident that you can let him represent your case.
You must of course keep in mind that attorneys do charge a fee for their services. And you must ensure that you research well before you finalize on your attorney in terms of his experience as well as the cost implications.
If you do your homework well before hiring the right bankruptcy attorney, you can surely get back on your feet and move out of your current economic situation.