If you are in the throes of financial hardship, then you need to start shopping around for a good bankruptcy attorney who is wise to all of the elements of bankruptcy. If you know you are headed for bankruptcy, then you need to start trying to get your finances in as much order as possible and prepare to go and speak with a bankruptcy attorney in your home town. The best thing to do will be to try and speak with one as soon as possible so you can try to put a stop to all of the credit madness going on in your life at present.
If you know you can not avoid bankruptcy, then it is time to talk to someone who can get you in and out of bankruptcy court as swiftly and as confidentially as possible. You don't want the entire world to know you are in the process of filing bankruptcy but if you don't hurry and get to the bankruptcy court as quickly as possible, then you will likely never get there because of garnishments and everything else to hold you up on filing. When garnishments on your salary start, then that's when you will likely find that everyone does indeed know you are having financial troubles. Especially if you work in a plant or for another large employer of the local area, where the locals in human resources rarely keep anything confidential.
To find a good bankruptcy lawyer, you should start your search online and in your local yellow pages. Don't ask around in the community because the idea is to try to get through the bankruptcy as quickly and as painlessly as possible. If you begin to ask questions then you won't be able to hide the fact that you are going to have to file for bankruptcy because everyone will know if you are out there asking for referrals. Get online and find a good website which will advise you on the ins and outs of bankruptcy and will possibly even list one or two ( maybe many more) bankruptcy attorneys in your local area.
Call around to the area bankruptcy attorney offices and ask for more information if you feel you need it. Make an appointment or schedule a free consultation to meet with an attorney and talk to them about all of your questions regarding bankruptcy. Should you file Chapter 13 or Chapter 7? Should you file Chapter 11 or a chapter you don't know about? What chapter should you file or should you file at all? Make a list of questions and go into your meeting well prepared so you will have all of the information to make an informed decision. Also, make a promise to yourself and your spouse you won't do anything until all of your questions are answered and until you have a chance to go home and sleep on it.
Bankruptcy attorneys make their money from people who file bankruptcy so they will certainly show you the advantages to filing for the bankruptcy chapter that suits your situation. However, just because you find a bankruptcy attorney you believe to be reputable doesn't mean you should immediately file bankruptcy and it doesn't mean you shouldn't still shop around for one you may feel more comfortable talking with or shop around for someone who isn't charging astronomical fees for their services.
When you have all of the bankruptcy information you need, then you should take a moment to reflect on all of your options and decide if bankruptcy is right for you. Will it be a quick fix or should it solve all of your problems financially indefinitely. What are the consequences for filing bankruptcy and will those consequences bother you? If so, then you likely need to reconsider. You also need to reconsider if you don't like or trust your bankruptcy attorney. This is a life changing step for you financially, one that you will never be able to erase.
http://www.credit-wz.com/bankruptcy/Finding-A-Good-Bankruptcy-Attorney.html
