Every person can face the risk of having too many debts if he does not know how to manage his finances well. Living within your means is the key to handling finances. Unnecessary debt can soar because of interest charges which may pile up. A person can file for bankruptcy if he faces lawsuits and repossession of his valuable properties including cars or house. He can plea for an extension of his payment schedule to avoid loss of property. Under the laws of bankruptcy, he can choose to file in one of three chapters if he is filing as an individual and two chapters for businesses. If he is confused as to which one would be the most appropriate for him, he could consult a bankruptcy attorney to enlighten him.
The chosen bankruptcy attorney can discuss the purpose, the application and the function of each chapter. He will also be responsible for the filing and the paper work needed because there are many requirements to be filed at the federal court. Choosing the right lawyer may be crucial especially if the debt holder is not very much knowledgeable with law technicalities. The bankruptcy attorney plays a major role in every case filed.
You can ask for a friend’s or another lawyer’s referral for a competent bankruptcy attorney and set a meeting with him immediately. You can voice all your concerns with regard to your case and the amount of experience he has with these types of cases. Also, you may ask him what options he can give you considering the case itself and the payment procedures. You should find out how many cases he is handling at the moment to check if he can offer enough time to focus on your case. If you feel that you can trust him as he is referred by a trusted friend or colleague, then you can have him handle the filing for you. You can also turn to reputable law firms that have already established not just a good reputation but a pool of satisfied clients. You may check out local firms in your area so that you never have to go very far as you might need to see each other more frequently as the case progresses. In California, residents of San Bernardino have many options but it will be best to contact law firms who can offer an expert bankruptcy attorney, for they can be assured of sound expert advice.