Monetary issues could destroy your family. This is one of the leading causes for the separation of families. You end up going through a lot of extreme mental anguish because of unpaid dues. Instead of suffering constantly, it is time you took a strong move and sought professional help. A great personal bankruptcy and debt insolvency lawyer in Athens, Alabama can bring a huge change in your life. Thus, it is important that you find one and hire them soon. If you are confused about where to start your search from, we can help.
Finding a bankruptcy attorney in Athens, Alabama
The first and most important thing to look for is the law firm’s legal credentials. There is a possibility that you might end up facing repossession or foreclosure, thus, while looking for bankruptcy lawyers, ensure that the recommended ones are experiencedin handling similar cases. You can start by asking people close to you, such as your family members, friends,and business associates for references. It is important that you ask them for their personal experience with the lawyer. You could also ask any previous lawyer you had hired for recommendations regarding personal bankruptcy lawyers. The US Bar Association list is also an excellent source to find personal bankruptcy lawyers in Athens, Alabamanear you.
Personal insolvency chapters
Individuals filing for personal bankruptcy have the option of filing under Chapter 7 or Chapter 13. Chapter 7 is known as liquidation bankruptcy as your non-exempt property is liquidated to repay the creditors. Apart from this, you do not have to pay for anything. Chapter 13 is known as wage earner’s plan as your disposable income is used to repay your creditors through a repayment plan which is developed by your attorney.
What would it cost to file bankruptcy in Athens, Alabama?
Once you know what your options are, you need to find out how much will the attorney charge you to help you with your bankruptcy case. Since there is no fixed fee for bankruptcy, it is important to get as many quotes as possible to find out which of your shortlisted attorneys are affordable. The bankruptcy fee charged depends on the chapter of bankruptcy, court, city, and state in which you are filing for bankruptcy. For a chapter 13 bankruptcy, you need to pay approximately $2000 in lawyer’s fee. Apart from the lawyer’s fee, you also need to pay for court and counseling charges.
What to expect in the discovery meeting?
Once you have decided which lawyers meet your criteria of experience, result, and fees, it is time to meet them. Most law firms offer a discovery meeting which is free of charge. This is an excellent opportunity to get to know how things will take occur in the coming few months. Thus, you need to be prepared to evaluate the law firm to decide whether they are the best fit for your case or not. It is important to have a questionnaire prepared for this meeting.
Since there is more to the law firm than your lawyer, you need to find out the name and position of individuals who will be your constant contact. The paralegals should be well versed with bankruptcy laws as well as your case. You should find out how much time it would take to get an appointment with the lawyer apart from knowing what your rights are. If you are satisfied with the discovery meeting, you can sign the contract.
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