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When Should You Hire a Boston Consumer Bankruptcy Lawyer?

Sometimes people can find themselves in over their heads in debt. When this happens, whether you live in Hyde Park, Mission Hill or Roxbury, you should consider hiring a Boston consumer bankruptcy attorney. A Boston consumer bankruptcy lawyer can apply his expertise to help you through the complex consumer bankruptcy process.

This article will help explain when you should hire a Boston bankruptcy attorney.

Why Use a Boston Consumer Bankruptcy Attorney?

You may be wondering why you need to hire a Boston bankruptcy attorney. The bankruptcy process is fairly complex. A bankruptcy attorney can use his years of professional experience to help you navigate through this often confusing process.

In addition, you probably don't have the time to figure out Boston bankruptcy laws on your own. By hiring a lawyer to do the work for you, you will save yourself countless hours. This will help ensure your bankruptcy filing is complete as soon as possible.

The Boston consumer bankruptcy attorney can also explain your legal options. There are two kinds of consumer bankruptcy. The first is known as chapter 7. With chapter 7 bankruptcy, the debtor sells off many of his assets to pay off his debts. The other type of bankruptcy is chapter 13. In this kind of bankruptcy, the debtor reorganizes his debts and establishes a payment plan that stretches for about five years. Your attorney can explain to you the pros and cons of filing chapter 7 and chapter 13.

Filing for bankruptcy is often a very emotional ordeal. Your lawyer is paid to be your strongest advocate. This can be comforting during the most difficult parts of the bankruptcy process.

When to Make the Hiring Decision

For many, the decision to file for bankruptcy is a difficult one. However, if you have been having trouble paying even the minimum on your bills or do not foresee yourself getting out of debt within the next five years, bankruptcy may be your best option.

In addition, if you have recently gone through a major life event that has drastically affected your finances, such as the loss of a job or a divorce, you may want to consider filing bankruptcy.

You should set up consultations with several attorneys. The attorneys can review your financial situation and inform you of your options.

Once you are confident that you want to file for bankruptcy, you should hire a Boston bankruptcy lawyer.

Setting Up Consultations

Start seeking lawyers' names when you are seriously considering hiring an attorney. Ask friends and family members who have filed for bankruptcy in Boston for recommendations. You can also use a site like With, just fill out an online questionnaire and we will connect you to one or more Boston consumer bankruptcy lawyers.

Next, begin scheduling initial consultations. Consultations are initial meetings with attorneys, and these are often free. These meetings are your opportunity to ask questions and to tell the lawyer about your case.

Questions you should consider asking include:

  • How long have you handled consumer bankruptcy cases?
  • What type of fee arrangement do you use? How much is the fee?
  • When and how do you expect to be pay?
  • Will anyone else be working on my case?
  • If I have questions, how can I contact the attorney? What is your typical response time?

Finally, once you've done enough investigating, hire an attorney and begin the bankruptcy process.