The filing procedure can easily alleviate a family's financial burdens and reduce their monthly debt. With the proper attorney on your side, you may be able to start over within a few months. This article will outline what you can anticipate from your consultation.
Step 1: Retain the services of an attorney who provides complimentary consultations. Many will provide this service, while others will not. Always ascertain if the initial consultation is free. At this meeting, you will be able to discuss your personal bankruptcy circumstances as well as the filing fees and legal fees.
Ask about the cost of financial counseling as the second step. These sessions should not exceed $30 for the initial session and $20 for each subsequent session. Some practices offer consumers online counseling services.
Thirdly, you must discuss the total cost of filing expenses. In most cases, the fees for a chapter 7 are less than $400, but they can vary. Know what you will be charged in advance, and if necessary, schedule payments.
Understanding precisely how your attorney is compensated is crucial in any case. Chapter 7 bankruptcy typically costs around $3,000, depending on location, and must be paid in full before it can be discharged. In contrast to chapter 13, where the cost is divided into two distinct payments, this is a single payment.
Step 5: Before signing any contracts or agreements with the legal representative, ensure that they will actually be able to assist you. Your attorney must have sufficient time to devote to your case so that everything can be concluded as quickly as feasible, given the importance of the time constraints involved.
Step 6: After your consultation, you should have a clear idea of whether or not this attorney is right for you. Take the time to go home and reflect, even if it's only for a few hours. Make your decision based not only on the aforementioned tips, but also on your overall impression of the attorney. If you make an informed decision and follow your intuition, you cannot go wrong.""
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