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Chapter 13 Lawyer and The Questions You Should Pose

If you're looking for a Chapter 13 lawyer, you are already taking an important step towards dissolving your debt the right way. Though perfectly legal and acceptable to file on your own, there are a n...

If you're looking for a Chapter 13 lawyer, you are already taking an important step towards dissolving your debt the right way. Though perfectly legal and acceptable to file on your own, there are a number of things that can go wrong if you do. It's far better to have legal representation by your side, giving you advice and guiding you in a way that will prevent you from making costly mistakes. This is, after all, your chance to dig yourself out of the hole that debt has left you in. While not a perfect way to do so, it is often the only choice an individual is left with. Here are some questions you should clear up with your attorney before moving forward.

How can I afford it?
This is a common concern for anyone thinking of hiring a Chapter 13 lawyer. Naturally, it would be. Anyone in such a situation is obviously having financial difficulties and it doesn't make sense on the surface to spend more money on an expensive attorney at such a time. The benefits for such an expenditure, however, often make the sacrifice worth it. If it's a matter of simply not having the money, however, there are practical considerations to remember. One such consideration is that you may soon be free of the payments that are draining so much of your funds currently. Secondly, many attorneys will work out a payment plan for their clients, making it much easier for them to meet their obligations.

When should I file?
If you have reached the point where filing has become a very real possibility, many a Chapter 13 lawyer will advise you to move forward as quickly as possible. This is particularly true if you have a foreclosure or sheriff's sale hanging over your head or you are still making minimum payments on your credit cards. If you're fairly certain that you mean to go forward with filing, you're just throwing good money after bad at this point. You could be putting that money towards your attorney fees and getting yourself out of the quagmire.

Can filing stop creditor harassment?
In most cases, a Chapter 13 lawyer will advise you that filing for bankruptcy will force a stay on your creditors, meaning they can no longer engage in collection activity. If you are being harassed at work or at home by incessant phone callsFeature Articles, getting an attorney involved may even be able to get those calls to stop before you file.

Source: Free Articles from ArticlesFactory.com

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