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Many families have torn apart because of money problems. The inability to pay off your debts can bring creditors to your doorstep which can cause immense tension in your personal and professional life. There is absolutely no need to panic as nothing is going to be achieved with it. You can, however, do something worthwhile, such as hire a bankruptcy lawyer. A local insolvency lawyer in Marana, Arizona can help you by either debt consolidation or bankruptcy.
Do your own research on local bankruptcy law firms in Marana, Arizona
There are chances that you might end up losing your property, car, or house due to non-payment of the dues. In case you fear to lose your belongings due to repossession or foreclosure, you need to look for local insolvency lawyers in Marana, Arizona. To hire a bankruptcy lawyer, it is important that you do proper research regarding the options available. Since laws differ from place to place, having a local attorney for your case would be advised.
You need to start asking your friends, family, and acquaintances for referrals regarding bankruptcy attorney. There is a possibility that someone in your immediate circle might have required the assistance of insolvency lawyers in the past. Do not forget to check for their qualifications, results, reviews, and client testimonials, either online or offline. You could also ask another lawyer for bankruptcy lawyer referrals. The US bar association can also help provide you the names of bankruptcy lawyers along with their ZIP codes.
Difference between chapter 7 and chapter 13
Personal bankruptcy can be filed under Chapter 7 or Chapter 13. The former involves liquidation of non-exempt property, the proceeds of which are used to pay the creditors. Apart from that, you do not have to pay for anything else. The latter involves a repayment plan based on your disposable income. Your lawyer helps in developing it and on approval from the bankruptcy court, it is used to repay your creditors.
Cost of bankruptcy in Marana, Arizona
The cost of filing bankruptcy varies from state, city, and court. It is therefore advised that you should get as many quotes as possible for a case like yours from the shortlisted bankruptcy firms. The lawyer’s charge varying amounts depending on the chapter of bankruptcy you qualify for and whether your case involves repossession or foreclosure. Apart from the lawyer’s fees, you also need to pay for court and counseling charges.
What happens in the discovery meeting?
Once you have shortlisted lawyers based on their experience, results, and affordability, it is time to meet them in person to decide whether they are the right person for you or not. This can be done by keeping the following things in mind:
- Find out whether the lawyer is sympathetic to your case, lends a listening ear and a helping hand in time of distress and can be trusted with your family’s financial problems.
- They should have the time to devote to your case. This can be discovered by finding out how much time it will take to get an audience with them after an appointment.
- It is also important to find out the names and contact numbers of the associates or paralegals who would be handling your case. Their knowledge about bankruptcy laws and your case will be extremely important to get a bankruptcy discharge.
If all your questions are answered satisfactorily and you have confidence that your case will be in good hands, you can go ahead and sign the contract.
Call (888-297-6203) to hire experienced bankruptcy lawyers of Dallas law firm.