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Friday, June 19, 2009

Questions to Ask Your Bankruptcy Attorney

By David Williams

It?s not easy to decide to file for bankruptcy. By working with a knowledgeable bankruptcy attorney, though, you can make filing for bankruptcy at least a little less stressful.

But before you hire a bankruptcy attorney, you need to ask the right questions. It?s all part of the research you need to conduct before hiring a professional to take you through the difficult process of filing for bankruptcy.

Start by asking attorneys how much of their caseload is devoted to bankruptcy filings. This is an important question because bankruptcy laws change so frequently. An attorney who only handles a few bankruptcy cases a year may not be well-versed on the latest bankruptcy laws.

Next, ask attorneys whether they will appear in court with you during the bankruptcy process. Often, you will only have to attend one court hearing. But you?ll want your attorney by your side, not a paralegal. Make sure your attorney does plan on appearing in court with you.

Any attorney you interview should also be able to tell you if filing for bankruptcy might not be the best option for you. Ask attorneys to review the specifics of your case to determine if you have other choices. Remember, filing for bankruptcy should be used as a last resort. A skilled bankruptcy attorney will be able to tell you when bankruptcy isn?t the best option.

If you do decide that filing for bankruptcy is the best option, you should then ask attorneys what information they?ll need from you to get the process started. You will need what seems like a mountain of paperwork. A skilled bankruptcy attorney will help you get started on organizing all the necessary documents.

Don?t forget to ask the attorneys you are interviewing if they work with written fee agreements. Reputable attorneys will have documents that spell out what they charge and what services they provide for those fees. It?s a way that knowledgeable bankruptcy attorneys protect themselves, and their clients.

Finally, after asking these other important questions, it?s time to ask what bankruptcy attorneys charge. For most people, especially those facing bankruptcy, the temptation is to ask this question first, and to give the answer to it more weight.

Remember, you do get what you pay for. Often, the cheapest bankruptcy attorney isn?t the best one for you. You want a knowledgeable, skilled and ethical bankruptcy attorney. These often don?t come cheap. Ask the right questions, though, and you?ll find the right attorney. - 23199

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