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When Should You Hire an Atlanta Consumer Bankruptcy Lawyer?

In Atlanta, consumer bankruptcy touches thousands of people's lives every year. Whether it is due to tough economic times or a personal tragedy such as a medical bills or the loss of a job, filing for consumer bankruptcy is a necessary solution to some people's mounting debt.

It doesn't matter if you live in Midtown, Buckhead or Castleberry Hill. If you are planning on filing for Atlanta consumer bankruptcy, you should hire an Atlanta consumer bankruptcy lawyer to help you through the legal process.

Why Use an Atlanta Consumer Bankruptcy Attorney?

The consumer bankruptcy process can be complicated. Consumers must meet specific requirements to file for bankruptcy, specific documents must be filled out properly and these documents must be filed with the proper court. Because Atlanta consumer bankruptcy lawyers have experience with bankruptcy law, they can guide you through this complex legal process.

Additionally, although you may be able to do the research required to figure out the process for yourself, hiring a lawyer will save you many hours of time. An Atlanta bankruptcy attorney will also know other options available to you and will be able to explain the pros and cons of each option. This way, you are empowered to make a decision about your personal bankruptcy.

Of course, filing for bankruptcy can be a very personal issue. Your Atlanta consumer bankruptcy lawyer is there to support you in court and serve as your strongest advocate.

Timing the Hiring Decisions

Deciding when to hire a consumer bankruptcy attorney is not a cut-and-dry issue. First, you will have to make the difficult decision to file for an Atlanta consumer bankruptcy.

Understand that filing for consumer bankruptcy may affect your credit for up to 10 years. Additionally, some debt (such as student loans) cannot be dissolved even when filing for bankruptcy.

If you think bankruptcy is the right choice for you, schedule a consultation with an Atlanta consumer bankruptcy attorney. When searching for lawyers to consult with, you may want to ask for referrals from friends who have used Atlanta consumer bankruptcy attorneys in the past. Another option is to use a site like Attorneys.com, which can connect you with consumer bankruptcy lawyers in the Atlanta area.

Discuss with the lawyer the pros and cons of filing for bankruptcy. Ask the lawyer if you have any other options and what the consequences of these options may be.

If, after speaking with the attorney, you feel that filing for consumer bankruptcy is the right thing for you, then hire the attorney and initiate the bankruptcy proceeding.

Making the Hiring Decision

There are several factors you should consider when deciding which Atlanta consumer bankruptcy lawyer to hire.

First, take into account the lawyer's experience. Has he worked on a lot of consumer bankruptcy cases in the past? What percentage of his workload is consumer bankruptcy cases? What law school did he graduate from?

Next, you will want to make sure you feel he is competent. When discussing your bankruptcy case with you, was he able to explain his strategy clearly? Did he answer all your questions thoroughly? Was what he said reasonable?

You will also want to consider his costs. During your consultation, ask about his fee arrangement. How does he charge his clients? When does he expect you to pay? These are important factors, especially for clients who may already have limited income to spend on a bankruptcy attorney.

Finally, do you feel comfortable with this lawyer? Bankruptcy is a very personal process, and you will need to work with someone you can trust.

After weighing these various factors, make a decision as to which attorney is the best fit for you and your Atlanta consumer bankruptcy case.

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