Finding a bankruptcy lawyer in Allentown PA can be a difficult task. Someone preparing to file for bankruptcy may not have much disposable cash to be able to pay for a lawyer. They also may have fallen on difficult times such as a lost job or sudden medical expenses and fear being judged as someone who recklessly managed their finances even though that was not the case. It may seem like a good idea to go ahead without a lawyer, however this is not recommended as bankruptcy involves giving up important legal rights and has a long term effect on credit reports, job opportunities, and more.
Finding an understanding attorney is the first step. They must be willing to be non-judgmental and work hard to get their client a fresh start no matter what reason they have for needing to file bankruptcy.
The attorney should also be willing to handle different types of bankruptcies. Many attorneys only handle Chapter 7 bankruptcies. This involves a near total liquidation of a person’s assets with only limited exceptions for vital personal necessities. For many people, this is a more drastic step than is needed. Chapter 13 bankruptcy is also available to those with a regular income. Chapter 13 involves making a repayment plan with the creditors so that personal property may be kept. For business owners, farmers, and certain other special classes, other forms of bankruptcy are also available.
Fees are obviously an important consideration since financial times are tough during bankruptcy. For those with low income, there are legal services organizations that provide free legal representation. For those that cannot meet the requirements to receive free representation, a private lawyer will be needed. Unfortunately, a private lawyer cannot work for free since they have their own bills to pay. However, there are many that are willing to work with their clients on a flexible payment plan with little money up front.
A free consultation is one of the most important things to look for. When deciding whether an attorney is the right fit, the best why to do it is by talking for half an hour to an hour. It also allows the attorney to have a better understanding of the work they need to do before quoting a rate.
