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If you’re being inundated with calls and emails from creditors, filing for bankruptcy may seem like the only viable solution. However, before you move forward, it’s crucial to find a bankruptcy attorney who will support you along the way. As you prepare for your consultation, write down these questions to ensure you’re hiring the right one.

3 Important Questions to Ask During a Bankruptcy Consultation

1. Should You Be Filing for Bankruptcy?

Your bankruptcy attorney is far from a salesman—their goal should be to help you devise a plan that’s in your best interests, not just to sell their services. That means a reputable bankruptcy attorney won’t hesitate to tell clients that bankruptcy isn’t right for them. Perhaps they can pay off their debts with better budgeting, or by settling their debts for lower sums. If bankruptcy is right for you, your attorney should let you know if chapter 7, 11, or 13 is ideal for your situation.

2. How Can You Get in Touch With Them?

bankruptcyFiling for bankruptcy is an involved process that may last for months. Throughout this period, you’ll want to know that your attorney is standing by, ready to offer answers. Therefore, find out if the attorney will be answering your calls from their personal phone or through a receptionist.

If they prefer to communicate through emails, letters, or texts, this preference may also affect your hiring decision. Ultimately, you’ll want an attorney that is responsive and attentive to your questions and concerns.

3. Will They Represent You in Court?

After you file for bankruptcy, you’ll need to attend a hearing in court. Chapter 13 bankruptcy may also require other court visits, such as to negotiate a payment plan with creditors. Appearing in front of a trustee, a judge, and your lenders can be stressful, and it’s important that your attorney is present.

You may also want them to represent you completely, so you don’t have to worry about saying something that could impede your negotiation. Make sure that your attorney is available and willing to speak on your behalf in a courtroom setting, as well as who will replace them in the event of an emergency.

It is important to note that at this time, you are expected to attend by telephone.

 

If you’re currently searching for an accommodating, knowledgeable bankruptcy attorney, look to Harry B. Zornow of Hamilton, OH. For over three decades, he has helped clients take control of their debt. Whether Chapter 7 or 13 bankruptcy is right for you, you can count on him to remain by your side every step of the way. Schedule your free consultation by calling (513) 737-9770 today, or visit the website to learn more about his practice areas.

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