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Cheap Bankruptcy Lawyer

If your financial situation demands filing for bankruptcy, you might be wondering how to find a cheap bankruptcy lawyer. With piles of debt you cannot pay, you might think you cannot afford an attorney. don't consider trying to handle your own case! There is no such thing as a simple bankruptcy.

Keep in mind that cheapĂ‚€Ă‚ť does not mean the same thing as low quality. There are many reasons that attorneys offer clients low fees.

Some lawyers have experienced financial challenges in the past and are compassionate and understanding. Others have thriving practices and believe that giving back to the community is the right thing to do. Still others have found that offering a sliding fee benefits both the client and the practice.
Find a Lawyer

There are several ways that you can find a cheap bankruptcy lawyer.

    Ask friends and family for a referral.
    Check with your state bar association.
    Contact legal aid in your area for a list of low-fee or no-fee lawyers.
    Use an online referral service or attorney directory.

Deciding Which Bankruptcy is Best for You

There are many different types of bankruptcy. Chapter 7 and Chapter 13 are two options for filers to consider. Chapter 7 allows for most past due debt to be discharged; Chapter 13 allows individuals more time to pay creditors without being subjected to harassing phone calls or letters.
Chapter 7

Chapter 7 allows you to have your debts discharged so you can start over with a clean, or almost clean, slate.

Some debts cannot be erased. Determining which debt will be discharged depends on the type of debt and whether it is attached to collateral. Past due amounts are generally wholly discharged unless there is a lien attached. Your attorney will explain which debt is considered during Chapter 7 proceeding.

Individuals cannot file for Chapter 7 relief if they have filed another Chapter 7 within the most recent eight years or if they have been fraudulent with creditors or the court about their financial situation.
Chapter 13

Chapter 13 allows debtors to reorganize their payments in a way that is easier for them to handle. Generally, a three to five year payment schedule is established. Payments are made directly to the court or an appointed trustee every month and then distributed to the creditors.
Forming a Partnership

The bankruptcy system is complicated and difficult to navigate. Once you find an attorney that you like and that you can afford, cooperate with him or her as much as possible. When your attorney asks you for information, respond quickly. Communication is essential to your case.

If your financial situation involves co-debtors, enlist their help to gather documents you will need to present your case to the court. Tell your attorney about all assets and liabilities. If you find that you made a mistake, correct it as soon as possible to avoid problems.

Finding a cheap bankruptcy lawyer will allow you to spend more of your available cash reducing your debt.