If you’re experiencing financial trouble, you may be considering the option of working with a bankruptcy attorney. This strategic move means you won’t have to navigate bankruptcy alone, and may also limit further legal threats from creditors. As you prepare to make this important decision for your financial future, be sure to ask any prospective option the following questions.

5 Questions for Your Prospective Bankruptcy Attorney

1. What Is Your Experience Level?

Bankruptcy can be a challenging process, so knowing your attorney has ample experience will give you peace of mind. Ask how long they’ve been practicing; ideally, they should have at least a decade of experience. You should also find out if the attorney has worked on cases similar to yours, so they’ll know exactly how to proceed to secure the best possible outcome.

2. What’s Included in Your Fee?

Look for an attorney who offers free consultations and ask what will be included. Costs may vary depending on the complexity of your case and the type of filing you’re pursuing. Keep in mind that there are also court and administrative fees. 

3. Is Bankruptcy the Best Option for Me?

An experienced attorney will consider your individual circumstances and make the best recommendation based on your unique case. There are many factors that impact what choice is right for you. However, if your wages are being garnished, you can no longer pay your mortgage, you receive harassing phone calls from debt collectors, or you owe back taxes to the city, state, or federal government, bankruptcy may be advisable. 

4. Should I File Chapter 7 or 13?

Chapter 7 bankruptcy is the simplest and quickest option for eliminating most unsecured debt. However, if you don’t qualify based on your income, you can still pursue Chapter 13 bankruptcy. This option allows you to set up a payment plan for repaying debtors based on your income. A bankruptcy attorney will evaluate which is best for you. 

5. When Will My Case Be Filed & Closed?

Your attorney should provide you with an anticipated timeline for filing and closing your bankruptcy case. While Chapter 7 cases can generally be resolved within a few months, keep in mind that unforeseen delays are always possible. Because it’s more of a long-term solution, Chapter 13 bankruptcy typically extends further and encompasses a payment plan that could last five years or so.

When residents in the Cincinnati, OH, area find themselves facing mounting debt, they turn to Harry B. Zornow. As a bankruptcy attorney with more than 30 years of experience, he works hard to find the best possible solution for his clients’ unique needs. He has the expertise needed to make the bankruptcy process as seamless as possible, and offers free initial consultations to help you make an informed decision. Learn more about his approach to bankruptcy online or call (513) 737-9770 to schedule your consultation.