Many individuals feel uneasy about meeting a bankruptcy attorney to discuss their financial situation. The concept of bankruptcy itself can feel intimidating, overshadowing its actual purposes: A) providing protection from creditors and B) offering relief from one’s debt obligations, whether partially or completely.
This is where a bankruptcy lawyer’s role comes into play. Although it is possible to file for bankruptcy without a lawyer (“pro se”), hiring an attorney can lead to better outcomes, whether you choose Chapter 7 or Chapter 13 bankruptcy.
Hiring a bankruptcy attorney in Miami can significantly improve your chances of reaching a positive outcome and getting back on track toward financial stability. If your finances have been negatively impacted and you are struggling with debt, seeking legal protection and relief from creditors can be a fresh start towards a better future.
General Expectations From a Bankruptcy Lawyer
Bankruptcy, like other legal processes, is a journey, and having a lawyer by your side can help ensure you navigate it successfully.
A reliable bankruptcy attorney can provide you with these key things to help put your mind at ease:
- An initial consultation–often for free–to understand your situation better.
- Guidance on the available options, including which type of bankruptcy makes sense for you.
- Assistance in completing the necessary paperwork for the bankruptcy filing.
- Representation in court if your case reaches that stage.
What You’ll Discuss During a Bankruptcy Consultation
- The initial bankruptcy consultation typically lasts around 40-60 minutes.
- The bankruptcy attorney will inquire about your assets, debts, and income.
- The questions might seem invasive, but you have to respond honestly and openly to these personal questions for an accurate evaluation.
- The attorney will analyze your situation to determine if bankruptcy is a viable option.
- If bankruptcy seems suitable, the attorney will explain the bankruptcy process.
- The attorney might suggest the most appropriate bankruptcy chapter for your situation.
- An estimated cost for the bankruptcy process will be provided.
- The attorney will outline the next steps for proceeding with the bankruptcy process.
Preparations for the Bankruptcy Meeting
When meeting with a bankruptcy attorney, the accuracy of their assessment will be influenced by the information you provide. You don’t have to bring all of your bills to the first consultation, but it’s helpful to understand your assets’ worth, debts, and income. Many people come prepared with a list or spreadsheet containing this information.
If you’ve been served legal papers, it’s advisable to bring copies of all the relevant legal documents you’ve received.
Finally, it’s a good idea to write down any questions you have about the bankruptcy process or your specific situation. Many topics can be covered during consultations, and it’s easy to forget important questions you want to ask.
Providing a Information for Every Client
Consulting a bankruptcy attorney in Miami doesn’t imply that you’re on the path to filing for bankruptcy. Regardless of the issue, conducting thorough research and assessing all available choices is a wise step, allowing you to arrive at the optimal decision for your specific circumstances. This approach applies equally to personal financial matters.
The Bankruptcy Law Offices of James Schwitalla, P.A. is committed to thoroughly assessing your financial situation, clarifying your choices, and providing transparent answers to your inquiries. We recognize the sensitive nature of bankruptcy discussions, and our team is equipped to handle these matters professionally.
Feel free to reach out for a no-cost initial consultation–we’re here to help. Contact us today to get started.