An individual, couple or entire family can be in difficult circumstances due to debt they cannot afford to pay. If it is a choice between rent and food or paying bills, there is not much choice. They can secure a new start by clearing old debts with the help of a Jacksonville FL Bankruptcy Attorney to to help them get through a financially distressing situation.
The laws regarding bankruptcy were changed significantly in 2005. There are standards in place as to what specific services should be provided to the client in a standard agreement. The attorney should be experienced, but, should not be litigating so many cases that he cannot pay enough attention to any one of them.
As an individual who is not familiar with the law, you may not be aware of what services you should be receiving. You must feel at ease with an attorney since you will be interacting with him regularly. You have the right to question the extent of his experience. Ask if he is aware of any recent changes in code.
Do not choose a lawyer based on the price charged for his services. Ask about his reputation and if you can, talk to a few past clients. You may want to know how many bankruptcy cases he has handled in the past.
Your freedom from overdue bills is in the hands of this lawyer. His fee should be agreed to in writing. All court costs, such as filing fees, are the responsibility of the client. There are also courtroom expenses, especially in a chapter thirteen bankruptcy.
The client may prefer to file a Chapter 13 and repay all debts over time. He must be earning sufficient income to have the judge accept him doing so. Those filing a chapter seven are most likely unable to afford any repayment. After being relieved of their overwhelming debt, they can make a fresh start and secure an improved credit rating after a certain number of years.
The laws regarding bankruptcy were changed significantly in 2005. There are standards in place as to what specific services should be provided to the client in a standard agreement. The attorney should be experienced, but, should not be litigating so many cases that he cannot pay enough attention to any one of them.
As an individual who is not familiar with the law, you may not be aware of what services you should be receiving. You must feel at ease with an attorney since you will be interacting with him regularly. You have the right to question the extent of his experience. Ask if he is aware of any recent changes in code.
Do not choose a lawyer based on the price charged for his services. Ask about his reputation and if you can, talk to a few past clients. You may want to know how many bankruptcy cases he has handled in the past.
Your freedom from overdue bills is in the hands of this lawyer. His fee should be agreed to in writing. All court costs, such as filing fees, are the responsibility of the client. There are also courtroom expenses, especially in a chapter thirteen bankruptcy.
The client may prefer to file a Chapter 13 and repay all debts over time. He must be earning sufficient income to have the judge accept him doing so. Those filing a chapter seven are most likely unable to afford any repayment. After being relieved of their overwhelming debt, they can make a fresh start and secure an improved credit rating after a certain number of years.
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