Filing for bankruptcy is in itself a stressful time. Not only have you probably been dealing with months if not years, of harassing phone calls from creditors, but you have also had to contend with the very big decision of whether to file for bankruptcy or not in the first place. But the fact is that deciding to file is only the beginning of the stress! Much of the burden can be eased, however, by choosing a good lawyer. In fact, filing without a lawyer is almost impossible these days. But the question is then whether to go to a general law practice or a bankruptcy law practice.
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The advantage of going with a bankruptcy law practice is that their lawyers have been dealing specifically with bankruptcy code for a long time and will have experience and knowledge of the area. Since 2005 and the bankruptcy law change, the code has been somewhat more complicated and this is where the extra knowledge of a bankruptcy law practice could be invaluable.
The new law is notoriously complicated and there are changes and evolutions happening to the code all the time. A bankruptcy law practice is up to date with this code specifically as all their time, energy and resources are dedicated to this area of law. And surely it makes sense when filing for bankruptcy to choose a legal representative whose area of expertise this is? This could potentially save you lots of hassle.
You should find a lawyer who has enough cases that they have the experience, but not so many at the same time that your case will be neglected. One on one time with a lawyer and their dedication to going over every little detail of your own personal case is absolutely essential.
In terms of the cost, many lawyers offer a free first appointment, which will then be followed by an hourly rate if you proceed with bankruptcy. However, despite the costly fees, it's definitely worth having someone with the knowledge.
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