Taking the initiative to admit one is finally filing for bankruptcy is not as easy as many people have been misled to believe. Filing for bankruptcy is the second top-rated legal suit that comes second to criminal law and family law when it comes to court cases in Fresno, and pretty much anywhere else in the world today. Some people will argue it would be a wise decision to file for bankruptcy without an attorney, considering they are battling financial problems, to begin with.
The process, however, gets complicated when you are dealing with any form of secured debt as it means dealing not just with the court but also with your financing partners. Secured debt means you will have to deal with your creditor first to reach an agreement whether or not it would be wise to redeem the asset attached or you can get a reaffirmation agreement. This is where you will need to work with a competent and wise chapter 13 bankruptcy attorney.
When you decide to file on your own without an attorney, be advised you will need to be very knowledgeable when it comes to chapter 13, property that is supposed to be exempted from the court and more importantly be in a position to prepare a chapter 13 draft. With all the paperwork and legal processes involved, not to mention the mere fact you are going through a tough time, it might be too overwhelming to prepare a detailed chapter 13 draft that shows your financial transactions in a stipulated period. This is where you choose a Fresno bankruptcy attorney reputed for personalized care without compromising on the professional aspect of the situation.
Next thing to ask yourself is where to find the right man, or woman, thereof, for the job. Maybe you have seen this good-looking attorney on TV or one plastered on billboards along the highway? Should you check the internet for online reviews or ask for referrals from family and friends? As long as you trust your gut feeling when you find a bankruptcy attorney, there is no right or wrong place really when it comes to searching for legal representation.
The next important point to address when it comes to bankruptcy attorneys is how much they charge for the services. It is often a contentious issue considering you are dealing with money problems in the first place. Most attorneys would, however, charge a flat fee when dealing with Chapter 13 cases, while others may charge slightly more if you are filing for bankruptcy alongside your spouse. Ideally, the cost is often determined by how complex the situation at hand is.