Because of the financial strain Covid 19 has put on so many people, the Law Firm of William H. Lively, Jr. is lowering the up front costs for filing Chapter 13 bankruptcy cases for new clients. If you need to file a Chapter 13 bankruptcy and cannot come up with a large down payment to hire an attorney, contact our office–we can help get you protected for less.

What to look for in a bankruptcy lawyer

Many individuals struggling financially find that bankruptcy changes their lives and enables them to move forward. Some wonder why they failed to act sooner. An experienced bankruptcy lawyer helps overcome the fear often associated with filing and assists in obtaining relief.

Because the bankruptcy process involves detailed paperwork, connecting with a lawyer on a personal level helps petitioners file correctly. As noted by Kiplinger’s Personal Finance, petitions must include honest, thorough and accurate forms outlining a filer’s income, assets and debts. Personal details and living arrangements often play a role in the filing process.

Nonjudgmental attention to detail and clear two-way communications

Information hidden from the court, even if left out unintentionally, may result in a case’s dismissal. A compassionate attorney encourages open communications, which aids in the review of sensitive details and financial statements when compiling the necessary information.

Instead of judging an individual for falling into debt, a patient and empathetic attorney understands the events that led to financial hardship. This may translate into an affordable payment plan for the services provided. 

Trusted advice and reliable advocacy

Based on an individual’s income, a knowledgeable attorney recognizes whether a debtor qualifies for Chapter 7 bankruptcy, which liquidates assets and discharges most debts, or a Chapter 13 filing. As explained by Bankrate.com, an individual earning regular income may file for Chapter 13 bankruptcy.

An attorney who offers seasoned and skillful assistance helps a petitioner create an affordable Chapter 13 payment arrangement that repays creditors over three to five years. After finishing all payments, the court may discharge remaining debt balances.

Unpaid debts typically result in aggressive collection practices that include repeated phone calls and letters threatening legal action. An attorney serving as a reliable intermediary and advocate intervenes to stop creditors’ continuing collection efforts when needed.