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Why Hiring a Chapter 13 Lawyer is Smart

Hiring a bankruptcy lawyer if you have decided to file for a chapter 13 bankruptcy may cost you some money but it can be a way to protect your best interests. Here we look at why hiring a chapter 13 lawyer is a smart and wise move.

You may wonder if it is worth your while to hire a bankruptcy lawyer. Is the expense really worth it? If you have decided to file for a chapter 13 bankruptcy then hiring a chapter 13 lawyer is more expensive than going it alone but it can be a very smart move on your part. Not only can it be wise for your life right now but it can also be wise for your financial future.

Do not be fooled by those who tell you that the process of bankruptcy is just about doing a bit of paperwork. There is actually quite a lot more to it than that and this is where a chapter 13 lawyer can be of benefit to you. There are state and federal statutes to deal with, as well as procedural rules and case law. There are also court and creditor customs that must be adhered to.

An attorney who is experienced and well qualified when it comes to all that is involved in the bankruptcy process can help you with everything that needs to be done. He/she can help you deal with all of the hurdles that are placed in your path and he/she can help to quell the nervousness you feel.

Letís face it, nobody welcomes the thought of declaring bankruptcy! If you do have to choose the bankruptcy route however then a chapter 13 attorney can make sure that all of your rights are protected in court. There is no guarantee of this if you choose to go through the process alone.

When you hire legal counsel to navigate your way through a chapter 13 bankruptcy your stress levels can be reduced because you are dealing with an experienced professional who is skilled and well versed in everything that has to do with bankruptcy law. This can give you a certain level of relief that can allow you to breathe easier.

Once you have taken that step and hired a chapter 13 lawyer all third party collectors are no longer allowed to contact you directly to solicit money owed to them by you. This can provide you, the debtor with the peace of mind that you require to help you get through the process as mentally unscathed as possible.

The Fair Debt Collections Practices Act applies to all collection agencies, as well as all attorneys who deal in collections. The Act is such that none of the collection entities are permitted to contact the debtor by telephone, postal mail or e-mailFree Web Content, or by any other means. Instead they must communicate with the chapter 13 lawyer for everything they need. For debtors who have been bombarded by calls and letter from collectors this can be a tremendous load off of their minds.

What the bankruptcy attorney does in essence is he or she helps you to improve upon your financial future. It may be less than stellar now but he can help you to get back on track and can make the future look a great deal brighter than the present. Think of the chapter 13 attorney as a type of financial advisor and the bankruptcy as a remedial process that can turn your financial health around. If you view the process as a positive one and not a negative one then you can feel better about all that it entails.

Source: Free Articles from ArticlesFactory.com

ABOUT THE AUTHOR


When needing a chapter 13 lawyer brockton residents know quality when they see it. For more information please visit http://www.bankruptcycounselingcenter.com/.



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