If your case is relatively straightforward, then opportunities are you can get a bankruptcy petition preparer to submit your case for much less than the expense of working with a lawyer. In spite of popular conception, bankruptcy law is not very complex, so employing an expert many of the times does not make sense. In short, if a) you have 100 percent unsecured debt (credit cards, medical bills, individual loans, repossessions, and so on); b) you're unemployed with no possessions (vehicle, house, brokerage accounts, and so on) and c) you did not accumulate the debt very recently or in any method that can be interpreted as fraudulent (i.e. purchasing a huge screen TELEVISION on a credit card a month prior to you filed) then you might not require a bankruptcy legal representative to submit your case.
2. If your case is more complicated, then will you receive the sort of personal interest that you are worthy of in order to have your case correctly handled? A great deal of bankruptcy companies are dedicated to fundamental filings, and you will receive little to no attention from your real legal representative. With this much at stake, it's essential that you deal directly with a professional that is an expert in bankruptcy law.
If you understand someone who has submitted bankruptcy, do not be afraid to ask them whether they felt their legal representative managed their case well. If you don't understand anybody who has filed bankruptcy previously, then call a law firm outside of your location and ask for a recommendation from them.
Many bankruptcy legal representatives will at least provide a complimentary initial examination. Remember not to jeopardize quality and experience simply because a bankruptcy lawyer provides lower costs. Contact your state's Attorney General office for a suggested list of bankruptcy legal representatives in your location.
If your case is relatively simple, then possibilities are you can get a bankruptcy petition preparer to file your case for much less than the cost of employing a lawyer. In brief, if a) you have 100 percent unsecured financial obligation (credit cards, medical expenses, individual loans, repossessions, etc.); b) you're unemployed with no possessions (car, house, brokerage accounts, etc.) and c) you did not accumulate the debt very just recently or in any way that can be construed as deceptive (i.e. buying a big screen TV on a credit card a month prior to you filed) then you might not require a bankruptcy legal representative to file your case.
A lot of bankruptcy firms are devoted to standard filings, and you will receive little to no interest from your actual legal representative. If you understand someone who has actually submitted bankruptcy, don't be afraid to ask them whether they felt their legal representative managed their case well.