If you are thinking about filing for bankruptcy, you must work with a reputable bankruptcy attorney who can represent you and take care of the legal process for you. Choosing the right bankruptcy attorney Charleston can make a difference in your case’s outcome and overall situation.
Keep in mind that bankruptcy is complex. You should have a lawyer who concentrates on this area of law and is experienced with consumer debt negotiation and litigation. A skilled lawyer can tell you if filing for bankruptcy is the right decision for you. Read to know why it is important to have an experienced bankruptcy attorney on your side:
You Must Plan the Bankruptcy
For your bankruptcy petition to be successful, you must plan for it, so you can exit it with your assets intact. A great lawyer can help you explore bankruptcy alternatives to resolve your debt problems like mortgage loan modifications, debt consolidation loans, or debt settlement agreement negotiations.
If your attorney thinks bankruptcy is the right choice for you, they can help you decide whether to file for Chapter 7 or Chapter 13 bankruptcy. A Chapter 7 bankruptcy allows your lawyer to protect your assets through available bankruptcy exemptions. When you choose Chapter 13, your lawyer will be with you each step of the repayment plan process to protect your assets.
You Should Prepare All That’s Required for Filing
When you file for bankruptcy, the paperwork involved can seem complex if you have no background in law. You are expected to give detailed financial information on your assets, income, and debts. When you make even a single mistake in the paperwork, your case can get dismissed, extending the amount of time you may need to get bankruptcy relief.
Your bankruptcy attorney can fill out the necessary paperwork, minimizing the risk of errors that can delay your bankruptcy proceedings. If you prefer to file for Chapter 7 bankruptcy, your attorney can help you understand how the means test works.
They Can Give You Court Representation
Your bankruptcy case will be heard in a federal bankruptcy court, which tends to have specific rules and procedures. When you fail to adhere to such rules and procedures, you can face sanctions that include the dismissal of your petition. Your lawyer is familiar with these rules and procedures and knows exactly what to do to ensure your case moves along.
In addition, you should also work with the trustee who handles your case and your creditors. Your attorney can handle communications with them.