If you have decided to file for bankruptcy, you definitely need to hire a bankruptcy attorney. Bankruptcy can be a difficult process to go through, so you do not want to go through it alone. There are a lot of bankruptcy lawyers in the field today, and as such, finding one who ticks all your boxes should not be too difficult. Here, we will be looking at some of the reasons why you need to hire a bankruptcy attorney.
The first reason why you need to hire a bankruptcy attorney is that you get professional representation. Bankruptcy law is complicated. You may take weeks to do your research and still not find whatever you are looking for. It is also important to note that any mistake you make will only delay your bankruptcy process. Mistakes do not happen when there are professionals on the job. A bankruptcy law firm will help you understand all you need to know about bankruptcy law. Since no mistakes will be made when you hire a professional, the process will be completed quickly and smoothly.
The second reason why you need to hire a bankruptcy attorney is that doing so saves you from harassment. If you have debt that you are unable to pay, then you probably deal with a lot of harassing emails and phone calls. This is a stressful situation to be in. You, however, do not need to deal with harassing calls when you file for bankruptcy in the right manner, which is what a bankruptcy attorney will help you do. Your bankruptcy attorney will contact creditors on your behalf after filing for bankruptcy, and this will save you a lot of stress.
The third reason why you need to hire a bankruptcy attorney is that they will help you decide on which chapters to file in your bankruptcy claim. The chapters used to file for bankruptcy are chapter seven and chapter thirteen. Chapter seven allows you to wipe out all of your unsecured debt, while chapter thirteen allows you to pay your debt over time. It is important to note that each of these options has pros and cons. A bankruptcy attorney will help you weigh your pros and cons so you can settle in the right chapter.
When choosing a bankruptcy attorney, there are factors you need to consider to ensure that you choose right. One of the most important factors is an attorney’s specialization. Ensure that you hire an attorney who specifically handles bankruptcy cases, as they are more likely to know how to navigate bankruptcy law. A general attorney’s representation cannot be equated to a bankruptcy attorney’s representation when it comes to these cases. Another vital factor you need to consider is an attorney’s history. Work with somebody who has a lot of experience with bankruptcy cases. Look at how the past clients’ cases turned out before you hire them. Reputation is also a vital factor when it comes to choosing attorneys. The better an attorney’s reputation is, the better their representation will be.