* Treat your first meeting as a business consultation. Dress well and be prompt. Be polite and courteous. You will want to impress the lawyer, just as he or she will be trying to impress you.
* Bankruptcy lawyers usually have a high volume of cases and so they may not have a lot of time to spend with you. Don't be offended, but they probably won't want to hear your life story. Thus, don't feel compelled right off the bat to blurt out everything you want to tell the lawyer about your legal issues or needs.
* Let the lawyer do the talking initially. You'll have all sorts of information that you'll want to relate, but the lawyer will be better able to hone in on the background facts that he or she feels are relevant or important. The more prepared you are with completed questionnaires, schedules, documents, diagrams and your own questions, the easier this process will be, and the more you will impress the lawyer.
* During your initial consultation, you'll want to be able to share all relevant information with the lawyer. Even if you don't end up hiring the lawyer, everything you tell him or her during your meeting is subject to the attorney-client privilege, so honesty is in your best interest. Let the lawyer decide what is or is not in your favor. It's much better for the lawyer to know the bad things up front, rather than be surprised later.
* If the lawyer is interested in representing you, you can expect that he or she will go through an educational process with you. You should take the time to make a honest assessment of your situation and, if asked, to be able to relate the thoughts you have to the lawyer. Forget the hand wringing and the excuses. Give your lawyer the straight scoop.
* The lawyer may give you alternatives as to what you can do, and you should discuss the possible consequences of each option. Look for practical legal advice that in your own mind translates into good practical sense.
* Depending up on how well prepared you are, the lawyer may even be able to give you advice on how to proceed. This could be especially important when time is of the essence. For example, if your house is in foreclosure, you may need to file a bankruptcy petition immediately. Thus, by the end of your meeting, you should leave with a clear understanding of what you've accomplished.
* If the lawyer is willing to take your case, you should be told what he or she charges for services. You may be presented with a contract that is called a retainer agreement or a legal services agreement. The lawyer should explain it to you. Read and understand the document before you think about signing it. At that time, or before services are rendered, you may also be asked to provide a retainer or deposit up front.
* Be clear on what is to happen next, and then be sure to follow through on whatever you have been asked to do by your new attorney. The attorney will insist on cooperation from your end. If it's not clearly spelled out in a retainer agreement, also be sure to ask the lawyer how he or she would prefer to communicate with you, and then keep in contact regularly with your attorney.
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