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It has nothing to do with smarts. All the education, knowledge and smarts in the financial world did NOT stop me from diving into that huge messy pool of debt. I probably know more about debt, creditors, credit scores and how to handle it than the average Joe. After all, I was once known as The Debt Relief Queen!Yet, all that knowledge didn’t keep me from falling into the emotional trap of debt.

You also want to get references from him of people he has represented in bankruptcy cases. And you want to actually call these people to get feedback.

The next thing you’ll want to do may not be so obvious at first, but is usually where most people acquire a good attorney. It is through friends, family and word of mouth. Surely you know someone who has gone through bankruptcy proceedings. They are your best resource to help prepare you for this rather intimidating process, and they may be able to point you towards a very good lawyer. If anything, perhaps they have had a divorce or DUI. Perhaps their attorney can point you in the right direction.

Do not hire any kind of attorney. You need one that actually specializes in bankruptcy law. Since there several different kinds of bankruptcy, they will first be able to assess your personal situation and inform you of which bankruptcy protection is right for your situation. This will prevent you from wasting time and inadvertently getting your case dismissed because your situation does not fit the criteria. In order to get things done right the first time, you need to have a good and experienced Bankruptcy lawyer on your side.

As you go through the debt diet that you selected, you need to adjust your budget as you go along. Going back to our comparison, most diets come in phases to complement the changes happening to your body. Even the exercise routine will change as you lose the fat and build up the muscles. In the same way, as you close off debts, you need to adjust your budget towards your still existing debts to pay for them faster.

Bankruptcy cases run the gamut. From business to private, liquidation to restructuring, there are many different types of bankruptcy cases. The more experience a harassment lawyers near me los angeles has, the more likely it is that he’ll be skilled in a variety of different types of cases.

The other time of the year that is big for filing bankruptcy is right after New Year’s. Just as everyone knows, most people come up with some sort of New Year’s resolution to improve on their life. Lately, financial matters have become front and center for most Americans. Not only are the people suffering, but the government is also buried in debt. It’s no surprise that Americans have followed suit just as old saying goes, “When in Rome do as the Romans do.”As of the end of 2011, the average American has $15,799 in credit card debt. As salaries continue to decline and debt ratios continue to rise, it’s time to put a stop to it all.

Bankruptcy lawyers know all about filing for Chapter 7 or Chapter 13 personal bankruptcy. Chapter 7, or a “straight” bankruptcy, is quick and easy and would have helped me tremendously in getting rid of all my high credit card debt incurred from medical charges. About 65% of the bankruptcy claims in the U.S. Are Chapter 7. These filings are usually for a 90-day period.