You do not have to wait for the final straw on the camel’s back for you to proceed to file for bankruptcy. 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. Well, it should not surprise you to know there are people who file for bankruptcy without attorneys.
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. The negotiation skills of a chapter 13 bankruptcy attorney and their wise counsel will come in very handy in such a case scenario.
Should you decide to file for bankruptcy without an attorney, it means you will have to be very familiar and knowledgeable on the process, what property and assets you are allowed to exempt. At the most basic level, drafting a chapter 13 means providing necessary details of your income and expenditure, property, creditors and all your financial transactions in the last couple of years. There are so many factors of consideration when looking for a bankruptcy attorney, but the most attractive of them all would be to find someone who actually addresses your personal issues in addition to handling the legal matter at hand.
How do you settle on the right chapter 13 bankruptcy attorneys to work with? Probably there is an attorney who has been talking to you on television, or you probably have contacts from a billboard advertisement. You are probably thinking of checking online, or asking your close acquaintances to send you references. All these are viable options to help you land the right Fresno foreclosure attorney.
The cost of hiring a bankruptcy attorney should be something you have to put into consideration Considering you are dealing with financial woes, it is always difficult to pinpoint the actual cost of working with a bankruptcy attorney as there are several determinants to the same. 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. In other words, the complex the matrix, the higher your bankruptcy attorney is likely to charge for their services.