Constant squabbling with your spouse throughout the day and sleep-deprived nights can be due to the relentless pressure of creditors threatening you over unpaid dues.If left untreated, this can cause you to end up with a medical condition. Considering your situation of debts, this is not the recommended place to be in. To avoid losing your car, home, or other possessions due to foreclosure or repossession and putting your kids’ future in danger, you need to take control of your life. This can be done by hiring the services of competent bankruptcy attorneys in Oro Valley, Arizona.
How to begin your search for a bankruptcy lawyer in Oro Valley, Arizona?
You will be surprised to know that bankruptcy is fairly common, and it is possible that someone you know might have hired the services of a bankruptcy lawyer. To find out the reference for a bankruptcy attorney, you need to talk to your family members, friends, and business associates.Do not forget to mention that you are looking for someone who specializes in repossession or foreclosure cases. You can easily check the client reviews and testimonials online to get a better idea of the lawyer’s functioning. Alternately, if you ever hired the services of another lawyer, you could ask them for a bankruptcy lawyer reference. The Oro Valley, Arizona Bar Association is also an excellent place to look for lawyers according to their expertise and ZIP codes to find a bankruptcy lawyer near you.
Know the difference between Chapter 7 and chapter 13
Individual bankruptcy filers have the option of these two chapters. Chapter 7 is for people who cannot afford to payback their debts. In this case,the non-exempt property is liquidated,and they do not have to pay anything else to get rid of their debts. Chapter 13 is for regular wage earners. A repayment plan is developed by their lawyer depending on the disposable income to pay back their debts over 3 to 5 years.
How much will it cost to file for bankruptcy?
There is no fixed cost for a bankruptcy filing. The charges depend upon the chapter of bankruptcy you file for, the complexity of your case, the court, city, and state you are filing in. It is therefore important that you get as many quotes as possible from the shortlisted lawyers for a case like yours. On an average chapter 13 bankruptcy may cost you around $2000 in attorney fees. Apart from this, you also need to pay for court and counseling charges.
What happens during the discovery meeting?
The Discovery meeting is an initial meeting with the lawyers which is an excellent opportunity for you to get to know about the bankruptcy process in detail. Since it is offered free of cost by most law firms, having a questionnaire prepared can streamline the process. It is important to keep know your rights. Though information might be filing thick and fast, you are under no obligation to hire the lawyers. You should use the discovery meeting wisely to conclude whether the lawyer is ideal for you or not.
Find out how much time it would take to get an audience with the lawyer after getting an appointment. Also find out the names, phone number, and qualifications of the paralegals since it might be paramount to your case. If you can speak with the lawyer comfortably and are confident that they will handle your case efficiently and discretely, you can ask them to get a contract drawn.
Call (888-297-6203) to hire experienced bankruptcy lawyers of Dallas law firm.