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Money troubles can cause more problems than you think. If you thought harassing phone calls and threatening mails is the only issue at hand, foreclosure on your property and repossession of your assets can wreak havoc on your family. Your children’s education can suffer because of this monetary instability. If you do not want any of this to happen, you need to make efforts to counter it. For this you would require the professional support of experienced Anniston, Alabama bankruptcy to help you sail through.
Where to look for professional bankruptcy lawyers in Anniston, Alabama?
Apart from legitimate credentials, there are other factors that should be considered while looking for a bankruptcy lawyer. You can start by asking your acquaintance and friends if they could recommend a consumer bankruptcy lawyer. Once you have got the names of a few lawyers you can use the internet to checkout the reviews and testimonials provided by previous clients. Apart from being approachable and trustworthy, having experience in handling repossession or foreclosure cases would be an added advantage.
Hiring a local bankruptcy attorney is recommended as laws often differ from state to state. You can ask another lawyer you have previously worked with for their suggestions to find local Anniston bankruptcy lawyers. The US Bar Association list is also a great place to look for recommendations for Anniston, Alabama bankruptcy lawyers near you.
Different insolvency chapters
Individual bankruptcy filers have the option to file under Chapter 7 or chapter 13. Knowing the difference between the two is important. If you qualify for the former you do not need to pay anything back. However, your non-exempt possessions can be liquidated to pay some amount to creditors. If you remain in regular work,you are likely to qualify for the latter chapter. In this case, the Anniston court will liaise with your attorney to come up with the payment plan to repay some or all your financial debts.
Cost of bankruptcy in Anniston, Alabama
Different law offices charge varying amounts for bankruptcy cases. This depends on the chapter of bankruptcy as well as the complexity of your case. It is therefore recommended to get as many quotes as you can to make an informed choice. You also need to know that different courts charge different amounts too. Apart from the lawyer’s fees you alsoneed to know when they would like to be paid. In case of a chapter 13 bankruptcy, you could also add the lawyer’s fees to your repayment plan. Apart from attorney’s charges you need to pay for court and counselling charges too.
Hire lawyers after considerable deliberation
Once you have worked out the maths and know which lawyers you have shortlisted are within your budget, you need to visit their Law Offices to finalize which one would handle your case. Having a list of questions would help you in your discovery meeting. Apart from getting to know the bankruptcy process in detail, you can also use this opportunity to find out more about the personality of the lawyer. If they are trustworthy and compassionate towards your case, have the time to devote to your problem, their team is well versed with bankruptcy laws as well as your case, then you might have struck gold. Signing the contract would take you one step closer to your goal of being debt-free. In case you are not sure about the lawyer, there is no compulsion to hire them. You can look for another lawyer on the list.
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