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If you are running short of money and are unable to settle your financial obligations, you are risking your family’s financial future. This can put anyone under immense pressure, especially if foreclosure and automobile repossession is in the picture too. Anyone facing a similar situation might end up having sleep-deprived nights and long days of constant worries. If you think you are in that situation, it is time you took professional help from qualified bankruptcy lawyers in Lake Havasu City, Arizona. With them holding your hand, you can get out of this situation and build a solid future for your loved ones.
How to find a good bankruptcy lawyer?
To find a good bankruptcy lawyer you need to conduct a research of the lawyers working in Lake Havasu City, Arizona. For this to take place you need to start asking your friends and family members for references. It is possible that someone might have hired the services of a bankruptcy attorney. Be sure to check whether they have a solid performance record. This can be done using the internet, where you can also check for client testimonials and reviews.
You could also ask your friend’s divorce attorney for a bankruptcy lawyer referral. Since they are in the same profession there are chances that they might know an adept insolvency lawyer. Apart from this, the US Bar Association list is an excellent source to find out bankruptcy lawyers in Lake Havasu City, Arizona.
Differentiating between Chapter 7 and chapter 13
Chapter 7 is also known as liquidation bankruptcy because a non-exempt property is liquidated to pay your creditors. Apart from this, you do not have to pay anything else. Chapter 13 is also known as wage earner’s plan. In this case, your lawyer will help to develop a repayment plan based on your disposable income for the bankruptcy court’s approval. You can get to know the details during your discovery meeting with the lawyers.
Charges for bankruptcy filing in Lake Havasu City, Arizona
The cost of bankruptcy depends on which court, city, and state you are filing for bankruptcy. Apart from this the lawyers also consider the chapter in which you are filing for and whether your case involves repossession or foreclosure. On an average, chapter 13 bankruptcy may cost you around $2000. This is apart from the court and counseling charges. If you cannot afford to pay the entire fees to the lawyer, you can have it added to your repayment plan.
How to handle the discovery meeting?
After getting quotes from the various shortlisted attorneys, you have narrowed down the list of probable bankruptcy lawyers based on experience, favorable outcomes, as well as their charges. It is now time to meet them in person to decide who will represent you in your case. This is done through the discovery meeting which is offered free of charge by most law firms. It is the best opportunity to get details about the bankruptcy process as well as the working of the lawyer and their support staff.
You need to find out whether the lawyer has time to handle your case personally. If not, then the associates and paralegal should be well versed with bankruptcy laws, its different chapters, and your case. Moreover, the lawyer should be trustworthy, empathetic as well as discrete because you will be disclosing personal finances to them. If you feel comfortable in their presenceand are confident about their knowledge, you can go ahead and sign the contractto begin your bankruptcy discharge process.
Call (888-297-6203) to hire experienced bankruptcy lawyers of Los Angeles law firm.