Money problems can ruin your family’s life. It can rip apart the love and affection that exists in your family and this can cause you to have sleepless nights. One of the most practical and reasonable ways to escape this situation is to seek the support from an experienced and professionally qualified lawyer who specializes in handling debt consolidation and personal bankruptcy cases. There are several lawyers in Apache Junction, Arizona who are experienced enough to help you, but choosing one from a list of many can be difficult unless you have assistance available.
Find consumer bankruptcy lawyer in Apache Junction, Arizona with proper research
To get rid of your debt problems, you need to hire local county lawyers specialized in handling bankruptcy cases with a proven track record that can be easily verified through the internet. You can ask your family and friends for references and conduct an online search to check the history, client reviews, and testimonials so that you get a better idea of their performance. In case you are facing foreclosure on your property or fear repossession of your vehicle, do not forget to mention it while looking for a lawyer.
Having a list of essential requirements that are needed while hiring a lawyer can help you immensely. You can show this list to your close relatives to check if the legal representative they have suggested can resolve all of them. Do not forget to ask the result of their case and their relationship with the lawyer. Any previous lawyer you had hired can also assist you in narrowing down a bankruptcy lawyer by providing a reference for one. Alternatively, the US Bar Association list can be used to find out lawyers along with their specialization and ZIP codes.
Difference between Chapter 7 and chapter 13
The difference between these two insolvency chapters is that the former is meant for little to no income earners while the latter is for regular wage earners. In the case of Chapter 7, some of the non-exempt property might be liquidated; apart from that, you do not have to pay anything else to get your debts discharged. Chapter 13 involves a repayment plan developed by your lawyer for Apache Junction, Arizona bankruptcy court approval.
Cost of filing bankruptcy
Since there are no fixed charges for a bankruptcy filing, you need to obtain as many quotes as possible from the shortlisted law firms to find out which ones you can afford. Different chapters have different charges. Similarly, these charges vary with the court, city, and state you are filing the bankruptcy in. The lawyer’s fee would depend on whether the case is of debt consolidation or bankruptcy and whether it involves repossession or foreclosure or not. Apart from the lawyer’s fee, you also need to pay for court and therapy charges.
Meeting the lawyers
Once you have shortlisted the lawyers based on your research, it is time to meet them in person. The discovery meeting offered free of charge can be the ideal time to find the lawyer who would represent you. These tips come handy during the meeting:
- Be prepared for the meeting with a list of queries regarding the entire process.
- Find out about the paralegals at the law firm (name, phone numbers and their knowledge of different bankruptcy chapters)
- Find out whether the lawyer has time for your case.
- Are you comfortable with them to discuss your family finances?
- Do you trust them to be discrete?
If you are satisfied with the meeting, sign the contract to initiate the process.
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