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When Should You Hire a San Francisco Consumer Bankruptcy Lawyer?

How do you know it’s time to file for bankruptcy? It’s a personal decision that does not have a one-size-fits-all solution. Your best bet is to talk with a San Francisco consumer bankruptcy lawyer.

Most bankruptcy attorneys in San Francisco are willing to meet with you to introduce themselves and review your financial situation. This meeting is called an initial consultation, and it is often offered free of charge. You should definitely take advantage of this tool.

Your goals at an initial consultation are:

  • To learn about an attorney’s background and experience representing others filing bankruptcy in San Francisco bankruptcy court
  • To review your legal options, whether Chapter 7 or 13 is best for you or maybe even go in a different direction altogether and not file for bankruptcy
  • To decide whether you want this attorney to represent you

Why Talk to a San Francisco Consumer Bankruptcy Lawyer?

An experienced bankruptcy attorney has seen it all and is familiar with the intimate details of both federal and state bankruptcy laws. Is it possible to file for bankruptcy on your own? Yes, but it is not advisable. Bankruptcy is a very complicated area of law.

Beyond the complexity, you will have many deadlines to meet throughout your filing. A San Francisco consumer bankruptcy lawyer will make sure you meet all your bankruptcy deadlines so that your bankruptcy filing is not dismissed.

Finally, bankruptcy can also be very draining emotionally. If you have a knowledgeable bankruptcy lawyer at your side, you can focus on making wise decisions.

When Should You Talk to a San Francisco Bankruptcy Attorney?

The timing of a bankruptcy filing is very sensitive. If you wait too long, you may face repossession of your car or foreclosure on your home.

On the other hand, if you file too soon after buying a luxury item or having property transferred in your name, you may face losing this property. The trustee is likely to set aside or void any luxury items you may have purchased within 90 days of your filing. A San Francisco bankruptcy attorney can give you the best advice on when to file given your unique set of circumstances.

Hiring a San Francisco Bankruptcy Lawyer

If you decide you do want to file for bankruptcy, consider using an attorney. Your attorney may be among those you have already interviewed. Think back on your initial consultation and ask yourself:

  • Did the attorney have the experience that I need helping other San Francisco clients file for bankruptcy?
  • Did the attorney offer sound advice and a strategy I think will get me the results I want?
  • Were the attorney’s legal fees reasonable?
  • Did the attorney seem trustworthy? Did we get along?

If the answers to these questions are yes, you have found the lawyer for you. There is no need to look further. However, if you have reservations, keep searching. Whether you are in Presidio Heights or Russian Hill or any other part of the city, there is a bankruptcy attorney out there for you.

Once you have found your San Francisco consumer bankruptcy lawyer, you are ready to move ahead with your filing and get a fresh financial start.