Hiring a bankruptcy attorney is far from giving up on your economic future, nor is it always the correct thing to do. Sometimes, however, you should know exactly what’s happening in order to be more confident in filing Chapter 7 and Chapter 13 bankruptcy in California.
So when should you hire a bankruptcy attorney if you live in California? Before you decide whether or not to file Chapter 7 or Chapter 13 bankruptcy, there are some key points you should be aware of.
What Bankruptcy is in California
First, bankruptcy is far from failure. It’s designed to help people who, often through no fault of there own, get large debts. Many California residents file Chapter 7 and Chapter 13 bankruptcy because of job loss, health problems and medical bills, sometimes just to hang onto their homes.
And filing bankruptcy has plenty of pluses too. You get protection from creditor harassment. Technically, creditors can still contact you after you file bankruptcy, but you can also tell the creditors to contact your attorney instead of harassing you. A bankruptcy attorney in California can take care of this, and it’s a major plus when you aren’t getting calls every day of the week about past due bills.
Other advantages of filing bankruptcy also point out the crucial advantages of hiring an attorney. For one, you don’t have to worry so much about all the technical details. You wouldn’t operate on yourself if you were sick, and just as much you shouldn’t be expected to handle everything in the complex bankruptcy process. A California bankruptcy
attorney can save you a lot of nights worrying about whether or not you made a mistake in filing.
This points out another case in point: mistakes. You might make mistakes and draw the process out longer than it needs to be. Time is valuable, so a professional bankruptcy attorney in California can help you navigate complex laws and come out without losing everything.
Hiring a Bankruptcy Attorney in California
Hiring a bankruptcy attorney is smart if you live in any state, but for California residents struggling to pay back debts and with no hope, it’s definitely the smart decision. Before you hire a bankruptcy attorney, you should consider that this person will be a big part of your life during the bankruptcy. You might think this is a one and done thing, in for 10 minutes and then its over.
Actually, bankruptcy hearings may be short, but they can be very scary. After all, your whole financial future is at risk. Beforehand, a bankruptcy attorney will have to do a lot of complicated work, including how to handle creditors.
When You Hire a Bankruptcy Attorney in California
Be critical in who you hire when it comes to a bankruptcy attorney. This process, if you’ve ever heard of someone in it, can be very stressful if you hire someone who lacks the knowledge to handle it. Hire someone you can trust, who knows the ins and outs of Chapter 7 and Chapter 13 bankruptcy, and has your future in mind.
Bankruptcy is more complicated than it appears on the surface. People who have seen or attended a bankruptcy hearing testify that the meetings are often over quickly. What is not apparent from the meeting is that most of the complicated work is done before the meeting takes place. The hearing should go smoothly if everything was done right ahead of time.