It is advisable that the debtors should not file for bankruptcy unless sure about the formalities pertaining to it. In most of the cases of individual filing, the cases have turned from bad to worse. There is waste of time, money and energy.
On the other hand when a debtor avails the service of a bankruptcy attorney the debtor will have to spend some money but be assured about the results. This does not mean that all bankruptcy form are good.
Some of the key issues to be taken into consideration while choosing a bankruptcy attorney are as follows.
o Qualification: The bankruptcy form should be conversant with the rules and regulations of the state, especially with reference to bankruptcy. One should check the qualification of the bankruptcy attorney.
o Experience: Experience makes an attorney perfect at getting approval for the bankruptcy. It is only with the help of experience that an attorney can tell the debtor about when to file bankruptcy. Sometimes the situation may not be conducive enough for filing bankruptcy.
o Efficiency: This is one of the most important factors to be considered before availing the services of any bankruptcy attorney. Over the years it has been proved that one should trust the word of mouth of those people who have availed the services of that attorney. One should try to find out the success ratio of the attorney, in other words efficiency.
o Affordable: The debtor should ask the cost of the services in the very first meeting with the attorney. Prior to the first meeting the debtor should enquire on the phone whether the attorney offer the first bankruptcy counseling session free and without any obligation.
o Ethics: All bankruptcy attorneys are not the same. You may find some attorneys resorting to unethical practices. Some offer their services at nearly a fraction of the prevailing market rate while there are some that make wrong promises. This is just to lure the clients and make money. Some of the attorney have hidden expenses and do not make the debtor aware of this in the first meeting. A good bankruptcy attorney is always clear and transparent with the client.
The above considerations along with the some market research by the debtor can help one to avail the services of a good and affordable bankruptcy attorney.
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