There are some people who love to do everything by themselves. They hate to ask for directions on the highway, and they never read a manual in putting together some home equipment. They’re the kind of people who don’t think they need help from anyone, even when declaring bankruptcy. Do they really need a consumer bankruptcy lawyer?
I think it’s admirable to try to do things by yourself, but there is of course a limit. There are situations where you need someone’s help, whether that help comes from a friend or a professional advisor. If you’re looking to declare bankruptcy, you obviously have some serious financial problems and need some outside help.
After all, chances are you did not see the situation coming, and your choices were not effective in preventing financial turmoil. I don’t mean to be harsh, and there may be other circumstances that people are simply not aware of. Sometimes an outside force seems to wreak havoc in our financial life, and problems like medical emergencies or other issues may force us to declare bankruptcy even if we’d been keeping up with our bills each month.
In any case, you have now reached a point where you need help to solve your financial problems whether you like it or not. In the case of bankruptcy, the situation is complex (especially with the recent changes in the bankruptcy code), and you truly need the assistance of a good bankruptcy attorney to help you through the process.
The consumer bankruptcy lawyer is best because you need someone with experience in bankruptcy law and not just general practice. In addition, you want someone experienced in helping consumers file Chapter 7 and Chapter 13 bankruptcies instead of some sort of corporate lawyer who specializes in Chapter 11 (business restructuring).
Even before you find a consumer bankruptcy lawyer, however, you should go ahead and do your homework before choosing bankruptcy. Look at your other alternatives and see if you can find a better way to solve your problems. Also, try to read other articles and find out the basic rules regarding bankruptcy so you can see how they would apply to your situation. This kind of background is good and will help save time when you speak to your lawyer. Of course, time is money, especially when speaking with a lawyer!