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How to Hire a San Jose Chapter 7 Bankruptcy Lawyer

Are you overwhelmed by your bills? It may be time to contact a bankruptcy lawyer in San Jose. Chapter 7 or Chapter 13 bankruptcy may be your ticket to financial relief.

If you are ready to take this step, don’t let the process of finding a lawyer equally overwhelm you. It’s actually not that difficult when you know what to do. This article can help.

Recommendations can be invaluable. Ask around your circle of friends, family members and acquaintances to see if they know a San Jose bankruptcy lawyer. It’s even more helpful when they have had personal experience with a bankruptcy attorney.

If someone you know has hired a bankruptcy lawyer, ask them:

  • Did your attorney make the bankruptcy process easier?
  • Did you receive good advice?
  • How much did your bankruptcy attorney cost?
  • How highly can you recommend your attorney?

If you come up empty with your friends and acquaintances or if you’d rather not discuss your finances with people you know, we’ll have at least one attorney name for you. offers a service that can connect you with a bankruptcy attorney in your area.

When you’re ready, give us a ring at 1-877-913-7222. Or, if you prefer, you can fill out the short form on this website right now. We’ll have a few questions for you.

Then, if you’re in Santa Teresa, Berryessa or any other part of town, we’ll give you the name of at least one San Jose bankruptcy attorney near you. You may contact the lawyer directly, or the attorney will call you within two business days.

Preparing to Meet a San Jose Bankruptcy Lawyer

It’s important to meet the San Jose bankruptcy lawyers you’re considering before you hire one. Fortunately, most bankruptcy attorneys are willing to sit down with you to introduce themselves to you and familiarize themselves with your situation. These meetings are called initial consultations.

At an initial consultation, you can:

  • Learn how much experience the lawyer has filing bankruptcy on behalf of San Jose-area clients
  • Review your options
  • Most importantly, determine whether this is the attorney you want to hire

Oftentimes, initial consultations are free, but some attorneys do charge for them. Ask about this when you call to book the appointment.

There are several kinds of bankruptcy you could file for in the federal bankruptcy court in San Jose. Chapter 7 is also known as straight bankruptcy. Chapter 13 allows you to hold onto some of your property while you reorganize your debts.

To help the lawyers you meet at initial consultations better understand your finances, you should bring them:

  • A list of all your debts with their balances
  • A list of all the property you own (includes home, car, jewelry, art and anything else of value)
  • A copy of the deed to your house, if you own one
  • Any correspondence you have had with collectors or creditors
  • Proof of your income in the form of tax returns and paycheck stubs

Before you head out the door, take some time to think of questions you’d like to ask. Write them down and pack those with you, too, along with some writing material so you can record the answers.

Selecting a San Jose Chapter 7 Bankruptcy Attorney

After you have met with the lawyers on your list, it’s time to choose one. If you only met with one, but the lawyer was a perfect match for your needs, congratulations, you’re done.

If, however, you have several worthy candidates, ask them for the names and contact information for some former clients. Call them, and ask the same kinds of questions listed above for friends who may have had referrals for you.

Then think back to your interviews. Who had the best experience? Whose advice did you like best? Which attorneys had competitive rates? And most importantly, with which attorney were you most comfortable?

When you’ve answered these questions, you’ll have found the best bankruptcy attorney in San Jose for you. Chapter 7 or 13 bankruptcy’s financial relief is within view.