That is the question with the laws of bankruptcy changed, the use of lawyers has come up for a debate. There are many lawyers who would rather not get involved with bankruptcy anymore but there are some lawyers who insist that you need them. These lawyers claim that you get a better result with an attorney. This does not make sense due to the fact that the law is the law and when you file for bankruptcy you are assigned a trustee who follows the letter of the law. They work out a repayment with your creditors if you have filed a Chapter 13.
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The trustee will not set up a repayment that you can't afford to pay back. You don't need a layer to file your papers because you can do that yourself. But you will find some attorneys who will convince you that you need them in order to get creditors to stop calling. When you file through the courts they take care of that. Some lawyers claim that you need a lawyer to negotiate with the creditors but that is what the trustee is for. If you notice more and more lawyers are not doing bankruptcy anymore which should you that a lawyer is not needed.
Now, we can see the importance of having a lawyer if you have a home involved because this is something you cannot afford to lose. A lawyer may be instrumental in helping negotiate to keep your home. They may be able to give you advice but they may not be needed when you go to court or the 341 Meeting.
When you decide to file for bankruptcy contact the courts and ask them if an attorney is necessary. Some states may require attorneys and some may not. You may not want a lawyer because it can cost you a lot of money. There are some lawyers that raise their prices to represent a bankruptcy in court because the news laws really negate the need for a lawyer. But as some lawyers will be happy to point out that you need them.
If you are going to use an attorney you may as well know the things you need to know when looking for a qualified lawyer, you want to know how long they have been practicing law and what they specialize in. you don't want a lawyer who specializes in criminal law to assist with bankruptcy. Then find out if the lawyer that you speak to will be handling your case or if they will pass the case down to a junior lawyer and then find out what their experience is. You don't want a junior lawyer fresh out of law school tending to your bankruptcy.
Choose a lawyer carefully, shop around talk to a couple of lawyers and see who best fits your needs. Also who fits your price range as well. Do not be embarrassed to ask a lot of questions, it is your financial future at stake and you have every right to find out what is going to happen every step of the way.
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