Personal bankruptcy is not the most pleasant thing to think about before Christmas. Or is it? A debt free New Year makes a wonderful gift for yourself. Foresake the malls and the gift catalogues. Get your finances under control. Your personal serenety is worth more than a pile of gifts under a tree. How many sleepless nights have you had this year? Waking up with worry about debt problems is no way to get a full night’s rest.
If you won’t do it for yourself, do it for your bill collectors. Give your bill collectors the Christmas gift they really want from you. A personal bankruptcy notice. Then they won’t have to call you any more. Motivational speakers will calll that a win/win situation.
Ready, set, go…
1. How much does it cost to file personal bankruptcy?
A good rule of thumb is $1000 to $2000 for an experienced, reputable lawyer. About what the average family will spend on Christmas. This year, spend your holiday money to get out of debt. After that, you can go back to spending money every year on Christmas.You need an experienced, reputable lawyer for your personal bankruptcy.
2. Bankruptcy is too complicated to be a “do-it-yourselfer.”
If you want to save money, go to legal aid. But legal aid will not give you a free bankruptcy. They will give you “self help.” But they will not represent you. They will not prepare your papers. They will not be in court with you. Other choices? Do not go to a cut-rate bankruptcy clinic. You will not save money going to a cut-rate paper mill. Their work is terrible. The cut-rate bankruptcy mills will not do a good job for you. But once they have you, they will nickle and dime you. Eventually their fee will build up to what a good lawyer would have charged. Except, you won’t have a good lawyer.
Personal bankruptcy is a complex legal case. But highly doable by an experienced expert. So get expert help. Do this just once. Do this right. The cost won’t kill you if your case is handled correctly. Good results in a well handled case will pay you dividends for a lifetime.
3. How to find an experienced, reputable bankruptcy lawyer.
Any Jackass with a law license can place a bankruptcy advertisement. You should ignore all lawyer advertisements. There is a great web site called Avvo.com. The Avvo site rates lawyers based on various criteria. The result is a rating score of 1 to 10. Clients and fellow attorneys may register on the site and say what they think of any other lawyer. Here is the link that gets you to their ratings and lawyer reviews for Los Angeles Bankruptcy Attorney Reviews: Avvo. The Avvo site states that they rate lawyers according to these factors:
- Disciplinary history
- Peer endorsements
- Client reviews
Here are links for other articles that will help INFORM you.