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.
Most people are unfamiliar with what the law requires and what services to expect. First, you should feel comfortable talking with your attorney. You should feel free to ask about his experience and if he is aware of all current changes in the law. He should not object to questions about his credentials.
How much the attorney is going to charge should not be the major reason for hiring him. He should be able to provide the best outcome to your case. You may want to investigate his reputation by speaking with some of his past clients.
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 attorney will explain options based on legal requirements. In the chapter seven, the client is absolved of all debt. In the chapter thirteen he agrees to a schedule of repayment. This is based on ability to pay and usually paid over five years. After the debt is cleared, he can start over and build good credit. This will require that he manage his finances in a successful way. The lawyer can give advice on how to do so.
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.
Most people are unfamiliar with what the law requires and what services to expect. First, you should feel comfortable talking with your attorney. You should feel free to ask about his experience and if he is aware of all current changes in the law. He should not object to questions about his credentials.
How much the attorney is going to charge should not be the major reason for hiring him. He should be able to provide the best outcome to your case. You may want to investigate his reputation by speaking with some of his past clients.
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 attorney will explain options based on legal requirements. In the chapter seven, the client is absolved of all debt. In the chapter thirteen he agrees to a schedule of repayment. This is based on ability to pay and usually paid over five years. After the debt is cleared, he can start over and build good credit. This will require that he manage his finances in a successful way. The lawyer can give advice on how to do so.
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