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Being low on cash can snowball into a big problem, especially if that starts affecting your family life. If you are unable to pay for essential expenses, your kid’s school fees, or your home or car payments, you might end up losing everything. However, instead of getting low over the unfortunate scene of events taking place, you need to take control of the situation. Hiring an experienced personal bankruptcy lawyer in Florence, Arizona can be an excellent way to get rid of your debts.
How to complete your research for bankruptcy law firms in Florence, Arizona?
If you are looking for a bankruptcy lawyer, it is important that you find a local lawyer since laws vary from state to state. There are several options when it comes to bankruptcy lawyers, however, finding one in Florence, Arizona is easier said than done unless you have some help. You can start by asking your family and your friends for references. There is a possibility that someone in your contact list might have hired a bankruptcy attorney in the past. If you fear foreclosure or repossession, do not forget to mention it while looking for a bankruptcy lawyer. You can ask people for their experience with the lawyer as well as the outcome of the case. Alternately you could also ask your friend’s divorce attorney for a bankruptcy lawyer referral. The US Bar Association list can come handy as it lists lawyers along with their expertise and ZIP codes.
Different personal bankruptcy chapters
Personal insolvency can be filed under these 2 chapters:
Chapter 7 – In this case you do not have to pay any debt, however, your non-exempt property is liquidated, and the proceeds given to your creditors.
Chapter 13 – In this case, a repayment plan is developed by your lawyer based on your disposable income through which your creditors are paid back some or all the debt.
You can get to know about these chapters in detail during your discovery meeting with the lawyers.
What is the cost of bankruptcy?
Since the shortage of money is the cause of your bankruptcy filing, it is important to know how much you must pay for getting rid of your debts. The lawyers charge varying amounts depending on the chapter of bankruptcy you qualify for and how complicated your case is. It is therefore important to get as many quotes as possible from the shortlisted firms to know which ones you can afford. The charges also vary according to state, city, and court. Apart from the lawyer’s fee you also need to pay for court and counseling charges.
How to appoint your lawyer?
Once you have shortlisted lawyers based on their experience, positive results, excellent reviews, personal recommendations, and affordability, it is time to meet them in person. Most law firms offer a discovery meeting free of charge. This is an excellent opportunity to not just find out details about the bankruptcy process, but also the time to understand whether the lawyer is ideal to handle your case. Do they have enough time to passionately take care of your case? Can they be trusted with your family’s finances? Are they sympathetic to your situation and would lend a listening ear to your problems? Are the supporting staff and paralegals well-versed with the different bankruptcy chapters? What is the waiting time to get an audience with the lawyer after taking an appointment? If you are satisfied with the discovery meeting, you can sign the contract.
Call (888-297-6203) to hire experienced bankruptcy lawyers of Dallas law firm.